23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an email on XX/XX/2023 from XXXX XXXX regarding a balance with LVNV Funding. The email says the original creditor was XXXX XXXX XXXX XXXX XXXX XXXX for {$870.00}. I have received two more emails regarding this debt. I do not remember this account. 
At the end of the email ( on page 3 ), it states, " The law limits how long you can be sued on debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency. This was originally an account with XXXX XXXX XXXX XXXX XXXX XXXX, account number ending in XXXX. ''
Product: Credit card or prepaid card

My Navy Federal Credit Union account was hacked in XX/XX/XXXX. A {$4900.00} cash advance was taken via my Visa, and that a d other monies were taken from my checking and savings accounts. Some of the stolen money was moved to an account someone opened in my name in another bank. NFCU caught the charges and called me at home to see if I had authorized the transaction. I had not. They said it was done on a XXXX XXXX Tab from Virginia. I have never been in Virginia, have never used a mobile device for banking, and have never taken a cash advance, nor have I borrowed any money since XXXX. I told them so, and we spent two hours resetting all my accounts with them.

NFCU later told me they were holding me liable for the original cash advance, as the money was sent to me, and that I had somehow profited from the theft. I appealed, but nothing was changed. I appealed again, and still no change. They started charging me interest, then took money from my checking account without my knowledge. I have always paid my account in full each month, so I owed them nothing. I told them in writing that the charge was not mine and I had no intention of paying it.

The {$5000.00} balance appeared on my credit report so I disputed it with Experian. NFCU said they were investigating, but they were not. NFCU then took my entire 21-year history off my credit report -- checking, savings, credit, and investment accounts were all completely gone!

Then NFCU started calling me harassing me about paying this overdue account. Every time they called, at least weekly, I told them this is not my bill and I have no intention of ever paying it. I took all the money from my checking and savings accounts so they wouldn't steal any more from me.

There is an account linked to mine for someone I don't know.

Money went through a clearinghouse in South Dakota, but I don't have the numbers to trace it further.

If NFCU had done any sort of investigation they would have discovered all this and more ; I could not have done any of the transactions. I was at home with no internet access or cell phone service when it happened! 
I need my credit report information restored, the fraudulent activity purged from my accounts, and the money returned that they took. I have had no income since XXXX, and can not afford to lose what little I have. That was also my only credit card account, which I can no longer use.
Product: Student loan

I lost my job in XXXX XXXX  in XX/XX/2023. Anything that has been saved up was spent on rent, car, insurance, and all other bills including my XXXX loan. I have been in contact with XXXX on the phone and Climb Investo through email and they only offered me a total of 6 months at a lower rate to delay the inevitable. When I asked for more help they told me if I can not make the payments then I WILL HAVE TO LET THE LOAN DEFAULT!! This gives lots of credibility to those who believe XXXX is trying to destroy people 's credit as they also listed on their website that even bankruptcy may not help you from their loans! Now I still have no stable income and my minimum payment to XXXX is {$1000.00} a month. I have also reached out to my school at the time, XXXX, for help all the way back in XXXX. They said they would file a case but have not given any progress updates since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company wont let me login XXXX transunion XXXX
Product: Credit card

on XX/XX/2023 i received a phone call from target wanting a conformation that I tried to open a credit card account which I did not. So they were going to cancel the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint pertains to certain and possibly discriminating business practices associated with the TRANSUNION BUREAU AND XXXX XXXX. 

The problem for me and possibly millions of other people is that the TRANSUNION CREDIT REPORTING BUREAU is using a hamstrung tactics to force a costly use of their credit monitoring service, which sells at $ XXXX  monthly subscription. 

The company deliberately provides inaccurate low credit scores freely through third party marketing portals, to force a consumer 's costly subscription to their database. As was in my case, getting a very low Transunion credit score from XXXX, led me to make $ XXXX  monthly subscription to check on the accuracy of my credit score. 

With the monthly subscription, I was then able to dispute the inaccuracies which appeared deliberately held unto by Transunion, because those records were not found on my XXXX AND XXXX REPORTS. I then was able to raise my score from around XXXX to XXXX, between XX/XX/XXXX to XX/XX/XXXX. But immediately following my cancellation of the monthly subscription a few months ago, my Transunion credit score immediately dropped from XXXX to XXXX, as recently discovered from the XXXX XXXX  decline letter following my application for credit. 

The XXXX XXXX  appears to mainly base credit offer decisions on Transunion reporting, than XXXX and XXXX, considering that the bureau appears schemed to a low consumer credit scores for possibly certain demographics of people. 

The XXXX XXXX  is presently the largest holder and issuer of the majority of consumer credit cards in America, for most private label brands. The bank appears schemed towards a high interest credit market, using the misreporting of low credit scoring from Transunion. 

I presently average a XXXX credit score at the XXXX and XXXX database but find it difficult to get a credit approval because of the Transunion reporting low score. It's crazy and hurtful that this company is deliberately holding and stacking incorrect, inaccurate and derogatory information to lower people 's credit scoring, for higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for these companies to remove these loans from my credit report and or provide proof of legal attachement to these account over 30 days old and nothing provided and still not removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX
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, 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 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 m
ore 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: Mortgage

Here we go again. This has happened for the third time now, with them not applying a payment that I have demanded that they apply all towards principal and they refuse to correct the problem for me. The continue to apply one payment out of the additional {$5000.00} principal payment and apply that one payment towards the future. Therefore, making an additional {$400.00} + in interest, because it it just sitting their for an entire month!!!! This time, the payment was made on XX/XX/XXXX, for {$5000.00}.  Called on XX/XX/XXXX, spoke to XXXX, and asked for the payment that was placed in the " future '' to be placed back on principal. She said it would be fixed. Called back on XX/XX/XXXX, problem was still not fixed. Spoke with XXXX, she said she would get it fixed. Still, on XX/XX/XXXX, the problem is still not fixed. THEY HAVE BEEN COLLECTING ADDITIONAL INTEREST FOR 9 DAYS NOW!!!!! SEE OUR LEGAL ORIGINAL MORTGAGE DOCUMENTS THAT STATE THEY MUST APPLY ANY ADDITIONAL PAYMENTS MADE TOWARDS PRINCIPAL AS LONG AS WE OWE NO $ . The next payment is not due until XX/XX/XXXX!!!! PLEASE HELP US WITH THIS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
THEY ARE A SCAM COMPANY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
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, XXXX 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 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: Checking or savings account

- XX/XX/2019 Unauthorized credit card payment of {$7800.00} issued from my Bank of America account to XXXX XXXX. 

- XX/XX/2019 Unauthorized credit card payment of {$2300.00} issued from my Bank of America account to XXXX XXXX  Credit Card. 

- XX/XX/2019 Requested to stop another incoming unauthorized credit card payment from my Bank of America account to XXXX XXXX Credit Card. 

- XX/XX/2019 Fraud Claim was filed to Bank of America. 

- XX/XX/2019 Fraud Claim was denied. 

- XX/XX/2019 Identity Theft Report from FTC ( Federal Trade Commission ) and Complaint Referral Form from IC3 ( Internet Crime Complaint Center by FBI ) were sent by fax and certified mail to Bank of America Fraud Department.
Product: Debt collection

XXXX XXXX, a collection agency contacted me about a debt I originally owed to Ally Financial in XXXX of XXXX. XXXX stated they were employed by Ally Financial to collect the debt, and they NEVER stated they were actually a collection agency. I had already had in my possession a letter from Ally for the original amount for debt, which was XXXX, XXXX. 
I believed this company, as they stated the amount, and sent a letter with the amount, along with contact information ( which I just recently found out, this information was false ). I have been paying this company {$75.00}, since XXXX of XXXX. XXXX just recently stop sending correspondence in the mail, with the adjusted amount balance, and when I called the company to request to speak with the person who's name has been on all of the letters I have received ( XXXX XXXX XXXX ), the person I spoke with, ( he would not provide his name ) stated the person was not there. I asked to be transferred to her Voicemail, he stated he stated there was no one there by that name. I asked why have I still been receiving correspondences in the mail with her name on it. He hung up the phone. I tried calling again, and a woman answered the phone, when I questioned her, she stated she couldn't transfer me to anyone, she stated she couldn't provide me with any information, and that she was working remotely. I called my Bank to stop payment for this company, and they opened a fraud case. The bank stated XXXX noted in the memo section of the withdrawals they have been receiving since XX/XX/2021, that I gave them permission to withdraw the amount of {$75.00} on the XXXX of every month on behalf of Ally Financial, and that they were paying Ally Financial this amount on the debt. Clearly, this company has violated so many laws, including the CFPB, FDCPA, and personal violations. They have lied, falsified information, collected on a debt that was forgiven ( also, I just received a tax document in the mail from the original creditor, Ally Financial, stating my debt was forgiven ), provided lack of information on collection of debt, did not identify themselves as a collection agency, and they purchased the account from Ally Financial, etc.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and several collections account opened at XXXX on XX/XX/XXXX with a balance of $ ( {$4800.00} ), Spring on XX/XX/XXXX with a balance of ( {$3300.00} ), The bank of Missouri on XX/XX/XXXX with a balance of ( {$1200.00} ), XXXX XXXX XXXX., with a balance of ( {$3300.00} ), that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Fraudulent Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX  XXXX Account Number : XXXX
Product: Credit card

Pay Pal Credit switched an XXXX transaction without notifying me at the time of the transaction to Pay Pal Debit. I did not have the amount needed in my bank account to cover the purchase. Now my Pay Pal account is in a negative balance when I had believed my purchase on XXXX would be processed as Pay Pal Credit. I purchased several items at the same time believing they all were part of the Pay Pal Credit 's same as cash 6 month promotion but days later I learned that XXXX item was not included. When I called to ask them to change the transaction to a credit purchase they declined to take that action, saying that I was notified of the transaction being a debit purchase at the time of the purchase. I asked for the purchase screen or written documentation of this notification to me and any advanced notice of this business practice by Pay Pal but I was told to visit the legal section of Pal Pal 's website. I was not notified properly during the transaction regardless of any terms and conditions in the legal section of Pay Pal 's website .Apparently they told me that if a seller on XXXX does not accept Pay Pal Credit payments then I would have been notified. But since Pay Pal could not produce any written documentation that I understood this, this business practice is not fair and is deceptive in my opinion. I would not have made the purchase of the item if I had know it was not covered by Pay Pal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't received any response within the allowed time provided by the FCRA to my dispute letters. The companies Experian & XXXX have not fulfilled their obligation to provide of the derogatory account ( s ) stated on my credit report.
Product: Credit reporting or other personal consumer reports

I cant believe what I saw on my credit report today. There are inaccurate accounts showing up, and I have no idea how they got there! I check my report regularly, but this time, out of nowhere, these errors appeared. I even tried refreshing my browser, hoping it was just a glitch, but no, the accounts are still there. Its so frustrating! Please, I just need someone to check the documents Ive submitted so I dont have to keep worrying about this.
Product: Debt collection

Met into a car accident while backing up at XXXX XXXX XXXX XXXX XXXX ( private property ). Called cops as opposite lady was aggressive, cop said I can not write a report as it is a private property and it is 50-50 as both of you were backing up. There insurance contacted my insurance and they denied to pay. They opposite party insurance started to send me bills and later send it to collection office. Collection office initilially called me multiple times, threatening you are responsible for it no matter it is 50-50 as you were not covered. Later I informed them I am medical student and please do not call as it distrubs my exam and classes. Later they kept sending mails threating to suspend my license and trying to negotiate.
Product: Credit reporting, credit repair services, or other personal consumer reports

What language is being used regarding such XXXX? Is it XXXX XXXX, XXXX Manual of Styles or XXXX XXXX XXXX? 

In reference to claim number XXXX submitted to the consumer financial protection bureau provide proof the this company is in fact in the business of purchasing securities. Theres no such thing as finding lenders to give the Natural Living Man the credit that he deserves when hes who extends credit to corporations. Man has the security interest in the promissory note which is owed to him because Corporations are bankrupt under the emergency banking act and have been since 1933 and pursuant to 18 U.S.C. 8- debts are obligations that employees of the United States Corporation must discharge. Therefore theres no such thing as debt and its Natural Living Man who holds the credits. Theres no lawful money if so than the Corporations must compensate the Natural Living. Corporations have privileges which can only be granted by the Natural Living and Corporations can only deal with other Corporations. Thus why the All Capital Pseudonym was created by employees of a Private Corporations that handles non public information which is being passed around and used by way of the act of conversion which is not only illegal but does not benefit the Natural Living Man whos the beneficiary and number holder.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$970.00} XXXX  XXXX Balance : {$750.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2300.00} - XXXX XXXXXXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXXXXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX : {$9700.00}
Product: Mortgage

Please accept this Qualified Written Request whereby I am formally requesting a copy of the Truth in Lending Disclosure from the XX/XX/2008 closing. Thank you - XXXX XXXX XXXX