23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I had been paying XXXX XXXX XXXX monthly to help me pay off debt. On XX/XX/XXXX, I received a phone call from XXXX stating that since I was good about making payments, they recommended that I speak to Liberty Lending who would pay of my remaining debt and I would start paying them. 

After speaking with Liberty Lending, I pointed out that I didn't like the XXXX XXXX interest and I specifically asked that if I signed, if I could back out of this agreement. They have this on a recorded phone call. He told me the loan process would probably start XX/XX/XXXX or up to XXXX days since when we spoke and that I had XXXX  days to cancel. I was under the impression that I could cancel. 

After the phone call, over the course of a week, I discussed this opportunity with a family member and also my best friend. My best friend told me that they could lend me the remaining amount so I would not have to worry about the high interest. The following week, I called them to see about canceling the loan. They told me to call XXXX XXXX XXXX. XXXX XXXX XXXX said it was out of their hands and that the process had already started, meaning that they had already started paying my debt. They told me to call back Liberty Lending, which I did and they told me there was nothing I could do because the process had started. She said that within days ( not specified ) that the process would be finalized and I would get an email. I then asked for the loan agreement and it never got sent to me. 

This past week I got the finalized notice via email and I have been going back and forth between XXXX XXXX XXXX  and Liberty Lending trying to get answers as to why this happened so quickly and why it happened without my ability to cancel. I also expressed how upset I was that XXXX XXXX XXXX literally threw me to the sharks so I could pay almost XXXX extra on debt that I was trying to pay down. 

I never had a fighting chance to get out of this loan. I felt extremely pressure the first day I spoke to them and I should have listened to my instinct. They misled me and in my opinion were highly unethical to do this. Now, I am stuck paying an additional {XXXX}. XXXX where if I had stayed with XXXX XXXX XXXX, I would not have to pay that. This is not right, it's not ethical at all. This should not be legal but people get XXXX every day apparently. I should have been able to cancel the day I called to cancel, which was less than XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have tried to work with credit bureaus but they are not budging and allowing this to hurt my credit profile. Please help me fix these errors.
Product: Checking or savings account

From XX/XX/2018 till XX/XX/2018 from my Wells Fargo checking and saving accounts were withdrawn and made transactions in amount of {$7200.00} in XXXX. I have not withdrawn money and have not made those transactions. Plus, I have never given permission to withdraw money and make those transactions to someone else. Also, I live in the United State and have all legal documents to work here. I pay taxes and I am a decent man, but my legal status does not allow me to leave The United States of America. That is why I could not be outside of the country and spent money there. In the period of time when the money was withdrawn and transactions were made, I did not use my debit card and did not check my online banking account, and I had no idea about the withdraws of money and transactions. Wells Fargo Bank refused to refund stolen money on such grounds the bank actually accused me of a fraud which is a criminal offense. Please help me resolve this problem and get my money back. Thank you very much!
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 Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

Account name and date are listed below! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion about me being a victim of their inquiry problem and they have yet to remove inquiries that I have kno recollection of I have posted the inaccuracies below these inquiries should be removed XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Attached is a copy of a check from NFCU/Navy Federal Credit Union bearing my alleged signature. Also, attached is a promissory note ( a copy ) unsigned bearing no signature, just alleged loan information i.e. amounts and my personal information. The promissory Note has lined titled " Applicant ( Member ) '' notice it has no signature. NFCU, this is my 18th request of Debt Validation pursuant 15 USC 1692g of the Fair Debt Collection Practices Act.

I am asking for a signed original ( bearing my wet signature ) copy of the Promissory Note, Security Agreement and Disclosure loan # XXXX in the amount of {$48000.00}. 

I am not asking for a copy check ( addressed NAVY FEDERAL CREDIT UNION ) that has xeroxed front and back bearing what is to be my alleged signature. I am asking for the Promissory Note. 

NFCU is reporting information that it knows is incorrect, false and wrong. 
According to the 15 USC1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I HAVE INFORMED NFCU 18 TIMES OF THIS ERROR! Yet you report information that is wrong without out proof or investigation. 

Remove yourselves from my consumer report immediately
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the refusal of XXXX, Experian, and XXXX to remove fraudulent accounts and inquiries from my credit report. Despite multiple disputes, they have failed to comply with federal law, specifically the Fair Credit Reporting Act ( FCRA ) and related regulations. 

Fraudulent Accounts : XXXX, opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX U.S. Dept of EdXXXX XXXX XXXX XX/XX/XXXX XXXX multiple entries ) XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX, opened XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX inquiry dated XX/XX/XXXX This is my third attempt to resolve this issue. The continued inaccuracies have caused significant financial and emotional harm, as I have been unable to secure housing or credit. I am requesting an immediate investigation and action to force these bureaus to comply with FCRA requirements. If no action is taken, I will pursue legal action as allowed under 15 U.S.C. 1681n for damages.
Product: Debt collection

A letter was sent to me requesting a certain amount for a court case. The letter was written on XX/XX/XXXX. I received the letter on XX/XX/XXXX. The letter stated I owed an outstanding balance to the State for a traffic offense. And further said I have failed to pay the fine to the court and the amount due was too be payed to this " collection company '' The company 's name is Linebarger Goggan Blair & Sampson , LLP. It went on to say if I don't pay I will face legal remedies.
Product: Debt collection

This company just tried to scam me. A lady named XXXX ; First sign is that they did n't disclose the company name. They first said I owed money to XXXX XXXX XXXX bank, The second call said I owed XXXX BANK, and they wanted to serve me court papers. They tried to get me to verify my personal information.. I did not. 
Anyway, I called both institutions and they said nope you do n't owe us and we have no records saying that we were taking legal action against you. 
So I called this number back and told that I contacted both institutions and I do n't owe them. So the lady on the phone says No this is actually for XXXX XXXX Loans. I said first you say XXXX Bank, then you say XXXX XXXX XXXX, NOW your saying a payday loan.. lol Nope I do n't owe you [ *** ] but if you call this number again you will hear from my lawyer. 
Secondly I typed this number into google search and nothing but complaints came up and an additional number from XXXX Colorado also appeared. I called that number ( THE XXXX NUMBER ) XXXX and it was the same person that called stating they were suing me.
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX has improperly allocated too much of the payments made to interest which is not mathematically possible, constituting a material breach. There are instances where the entire payment was applied to interest. For example, on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, the entire payment of {$600.00} went toward interest, with {$0.00} applied to the principal. Another example is XX/XX/XXXX. The expected interest accrual for a 30-day period is {$120.00}, but the payment history shows that {$290.00} was applied to interest. 
XXXX ) XXXX charged interest during the time in which interest accrual was paused during the pandemic, constituting a material breach. 
XXXX ) XXXX has extended the term of the note beyond what is statutorily permitted by law. Because both of the loans are Direct Consolidation Loans, and the combined balance is over {$60000.00} ( approx. {$82000.00} in total ), the maximum repayment term allowed under the law is 30 years. XXXX reports that repayment began on XX/XX/XXXX. Time Already Paid : 12 years and 4 months. XXXX 's reported term : Remaining Term : 22 years and 2 months. The total repayment term would be approximately 34 years and 6 months, which exceeds the maximum statutory term of 30 years. Failure to properly service these loans constitutes a material breach. 
XXXX ) this breach is further underscored by the fact that XXXX admits that I have made approximately XXXX XXXXXXXX in payments, but they only applied $ XXXX to principal.
Product: Checking or savings account

I am writing to formally file a complaint against Navy Federal Credit Union regarding multiple overdraft fees applied to my account. Despite having sufficient funds when the trans action was authorized, I was unfairly charged fees due to lagged charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report from transunion and   XXXX   showed an account from  XXXX   XXXX  that is NOT mine. The account was deliquent and affecting my credit. Could not open a bank account. I disputed it over 45 days ago and got an email from transunion stating it was deleted. I tried opening a secured credit card with  XXXX   XXXX  but got denied because of the misinformation from credit bureaus stating that i have deliquent account which is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2021
Product: Mortgage

I didn't receive the HELOC funds in time to pay down the principal before interest started accruing. 

See the attached documents for details.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received a call from Premier Student Loan Center for a forgiveness program with Dep of Education. I  think this is scam .I want to stop and report this now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sent me a letter back on XX/XX/year> threatening to repossess the vehicle. Meanwhile XXXX XXXX XXXX can not Validate the debt at this time according to XXXX XXXX XXXX. A Cease and desist was placed on the account. XXXX XXXX XXXX are still adding fees, falsely stating that a confirmation number given to me is my previous account number when it is not, and also making negative remarks on my credit report. Meanwhile, XXXX XXXX XXXX can not provide Validation at this time. It's been more than 30-45 days now. Send Validation of debt and the correct account number. Until then, since a cease and desist is in place by XXXX XXXX XXXX, no remarks or inaccurate reports should be placed on my credit report.
Product: Credit reporting or other personal consumer reports

I have requested the company to remove the following items below and equifax have refused to do so the other two credit agencies have removed the item but equifax so called say they verified the info. I haw taken the steps to call the company and they said there is no account for me their and that they don't even report to the credit agencies so have could they have verified this information. The following item need to be removed and blocked from my credit report : CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$6900.00} Balance updated XX/XX/2023 Original balance - Account info Account number XXXX And a inquiry from XXXXXXXX XXXX  Thank you for your prompt fixing of this problem.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

Please see attached. 

The following still isn't represented correctly after over 6 months, as seen in the screenshots ( transaction history and dates even after you " validation/investigation aren't correct ). 
This is a violation of 16usc 1681 c-2 and is considered WILLFUL NONCOMPLIANCE or Fraudulent Misrepresentation. All details are attached also, my Affidavit of Facts have been sent notarized via certified mail as of XX/XX/year>2025 2025
Product: Vehicle loan or lease

I took out a loan with Wells Fargo Dealer Services. My vehicle was repossessed and then sold at auction for what appears to be an extremely low amount. 

On XX/XX/2014 I was sent a bill with a balance of {$8700.00} that included a line item of {$1500.00} for XXXX XXXX fee due '
Product: Credit reporting, credit repair services, or other personal consumer reports

Was notified that there was a late payment on auto loan account and never was late and reported to credit bureaus. Asked to be removed and instead of removing it. It was moved from XXXX to XXXX. Asked for documentation and none was provided. There was never a late charge fee or mention of it being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card had fraudulent/unauthorized activity. I disputed it with USAA. USAA ignored my disputes until I completed an Affidavit and provided my attorney 's information. Then USAA suddenly completed an investigation and determined that it was fraudulent/unauthorized activity. USAA advised me that they were adjusting my account for the fraudulent activity and that I should refrain from making a payment until they make the adjustment otherwise they would not be able to close my account. I listened to their instructions. USAA did adjust my account but on the same statement, they charged me a late fee for not making a payment for the adjustment. I called USAA and they immediately removed the late fee. However, USAA notified all three credit bureaus that I was late on the payment. I have repeatedly contacted USAA and the agents I speak with advise me that I should not have a late notice on my credit reports and they have tried everything including having me file a report with USAA but USAA refuses to correct the issue. I have repeatedly disputed the information with the credit bureaus but to no avail. I was never late on my payment. I simply followed USAA 's instructions while they processed a fraudulent charge that they should have completed upon my first dispute of the charge.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent a Zelle payment of {$200.00} to my friend, XXXX XXXX, due to an urgent situation. The transaction was completed through my phone and marked as delivered to her account and bank. However, she never received the funds. 

To resolve the issue, we visited her bank to investigate where the money had been sent. The bank informed us that Zelle is responsible for processing the payment and advised us to contact Zelle directly. Following their guidance, we filed a claim with both the bank and Zelle, but no resolution was ever provided. 

Despite multiple attempts to address the situation, the funds remain missing, and I have effectively lost {$200.00} without any explanation. This experience has been frustrating, as neither the bank nor Zelle has taken responsibility or provided a clear solution. I am seeking further assistance in recovering my funds and a thorough review of how this transaction was handled.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, Capitol One financed a vehicle with 8.4 % interest. On XX/XX/XXXX, I went to a Capitol One location and called for a pay off as of XX/XX/XXXX. On XX/XX/XXXX at XXXX am, an electronic payment was received by Capitol One from my XXXX XXXX XXXX account in the amount of {$12000.00} which is the amount both Capitol One representatives advised is needed to pay the account in full as of XX/XX/XXXX. On XX/XX/XXXX, I called Capitol One to make sure payment received, paid off, and no more fees due. The representative told me payment not received, will post to account 3 -5 days, and will back date to date payment received. The representative also told me to hold so she could find out if any other fees are due then the phone disconnected after a few minutes. I called again on XX/XX/XXXX. The automated system advised I owe {$11.00} and payment posted to account on XX/XX/XXXX ( electronic payment received by Capitol One on XXXX at XXXX am ). I selected the number on the phone to speak to a representative to advise payment received by Capitol One on XXXX not XX/XX/XXXX and to inquire why I owe interest from XX/XX/XXXX - XX/XX/XXXX. However, after holding for a few minutes the phone disconnected. I have all calls ( XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX to Capitol One recorded.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX