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

I have signed up for money lion credit builder program as my XXXX XXXX was in the upper XXXX XXXX. They said i can take out a credit builder app loan/installment loan and repay it and over time it would build my XXXX XXXX. Well after XXXX i noticed the app had a payment issue. I tried to upload the payment again and it kept giving me payment issues notifications. I tried a again a few days later and nothing. I called customer support and couldnt get hold of anyone. I thought the subscription would be cancelled due to non payment. Well moneylion kept charging for the subscription.I got a notification much later that my account was past due. I emailed the support team and told them it wasnt my fault as i already tried to submit payment and they replied saying they were able to put the payment through on there end with the same account and my account was showing paid in full and closed. I told them they destroyed my credit as its now showing XXXX my score was in XXXX and my on time payments of 100 % had dropped below 94 %. They said it wasnt there fault. I requested they immediately close the account through BBB complaint. The Moneylion rep said she will go ahead and close ou the accounts. XXXX later i get more emails stating my subscription payment is due and payment isnt working. I replied saying they already closed this through BBB complaint. The customer advocate responded it wasnt closed but she would close it again and sorry for the error. Moneylion has taken no responsbility in this. But because of moneylions faulty app and no course for resolution they have destroyed my creidt for 7 years all over {$20.00} payments that i tried to make online but couldnt. im seeking reprenstation as you already suing Moneylion. They use predatory types of marketing to try help low income/credit profile users to build credit but then destroy it at first chance then setup you for creditbuilder loans that cost 1000 % in APR.
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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit 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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX - collection - XXXX, XXXX XXXX XXXX ( Original Creditor : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

This complaint is for Conn 's XXXX XXXX. i have called and asked for a copy of the credit app, to know avail the name on the account is XXXX XXXX my name is XXXX XXXX when they called and asked for my imfomation and started sending me bills account XXXX i would like them to remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian told me on XX/XX/XXXX they was going to keep the mix credit file and report on my credit file and keep all the wrong names and wrong address when i ask on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I STILL HAVEN T HEARD FROM THEM AND GOT THE CORRECT HELP EXPERIAN NEED SOMEONE FROM THE CFPB COME AND HOLD THERE HAND AND DO RIGHT MY PEOPLE AND STOP REPORT WRONG INFORMATION ON MY CREDIT REPORT ..

SINCE I HAVE PROVIDE PROOF ..

XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINES ITS ACCTACH TO SOMEONES ELSE CREDIT PROFILE SINCE XX/XX/XXXX AGAIN ...

XXXX XXXX XXXX THESE ACCOUNT ARE NOT MINES PLEASE HELP AND DELETED FIX MY CREDIT SOCRE BACK TO A XXXX ASAP PLEASE AND THANK U
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I recently had multiple issues with XXXX XXXX at XXXX XXXX. They are still posting payments late and blaming customers. After your $ XXXX settlement with them, they have treated customers worse and reported me late when they even said it was a mistake and 60 days later blamed it on me. XXXX XXXX and XXXX XXXX work at XXXX XXXX and I think they are incompetent and discriminated against my skin XXXX. I hope you fix this as I don't think this is fair. 

XXXX XXXX - XXXX
Product: Debt collection

I intended to pay off my Toyota car loan in late XXXX and had received an official letter stating that my loan was paid off in XX/XX/2023 ; the bank link was deleted, and Toyota fiancials sent me a letter showing the car was paid off. In late XXXX, I received a letter showing that my car payment was late. I called and attempted to make another payment, was informed that there was no bank information on my Toyota account and was charged XXXX dollars late fee but as I linked the bank again, it was settled. In XX/XX/2023, I received another letter about the late payment and past due 60-90 days. I called Toyota financial services, was told that the payment I made did not go through and it was because " I didn't have enough money to pay off the balance. '' The link automatically disappeared. After a couple of calls, the customer service took the payment verbally. I still have not received anything on the title, or the pay-off letter. They still reported me as late due 60-89 days on my credit bureaus. I am looking for help to get this corrected on my credit report, and apologies for the hassle when i tried to make a full payment of my car payment.
Product: Checking or savings account

I have never had a USAA account in my life, nor have I applied for one. I heard that you can only have account if marriage and I'm not married. Nor have i lived at the address its stating XXXX XXXX XXXX XXXX, Ga XXXX Nor have I had the number XXXX nor have i had the email XXXX I'll like all these so called accounts removed from all Platforms that USAA reports too. Accounts numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is provided on my attached ID and this complaint. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current addresses is also on my attached license. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is on my attached license. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any telephone number and I do NOT desire any other telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported
Product: Checking or savings account

Between XX/XX/XXXX to XX/XX/XXXX, I recieved a total of ( XXXX ) payments into my Navy Federal Savings account for {$190.00} each. I immediately called Navy Federal and asked why the money was being put into my account. The lady on the phone assured me that everything was right, there were no notes on my account and there had been a discrepancy discovered during my ATM withdraws and this was a correction for the error. The lady told me I would be recieiving a letter in the mail explaining in more detail and not to worry about it. She also told me to call XXXX XXXX XXXX if I needed more information. I then got off the phone and called XXXX XXXX XXXX. I was again told that there were no notes on my account and everything is fine. I actually called XXXX XXXX XXXX twice between XX/XX/XXXX and XXXX. I did receive the letters in the mail from Navy Federal explaining that there had been a issue with my ATM withdraws and that the money was placed into my account for the error. I did not know what instance this was talking about but I went along with it because I had done my part by reporting the error to Navy Federal and XXXX XXXX XXXX. As of yesterday XX/XX/XXXX. I checked my bank account and my checking account was - {$980.00} and my savings account was - {$930.00}. I immediately called Navy Federal and they stated they didnt know what was going on. They also stated that a provisional credit was given to my account but couldnt explain why. They stated I had disputed ATM withdraws but when they looked at my account there were no disputes on record. ( I had never disputed any ATM withdraw. ) Navy Federal evened out my checking account to a {$0.00} balance but they are saying I still owe - {$930.00} in my savings and I still have no idea why? Please help.
Product: Payday loan, title loan, or personal loan

XXXX XXXX masquerades as an XXXX official who provides financial literacy, business loans, grants, and credit counseling for minorities. He operates at XXXX. He also operates at smartmoneyalliance.org. He claims to be given an XXXX XXXX XXXX  to help minorities. 
This company is simply a front to con minorities into getting high interest loans wherein he gets 10 % of every loan approved. 

As well he charges an upfront fee of at least {$2500.00}. Recently he stole my signature and initiated an ach withdrawal of weekly payments which I just contacted my bank about. 

His companies are XXXX, smartmoneyalliance.org, and XXXX XXXX XXXX. All are fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Debt collection

Today, XX/XX/XXXX, I received an email from my bank that something had gone to collections. I am unaware of any bills I have not paid, so I filed a report about it. Then, this evening, I received this email from XXXX : Dear Valued Customer, At XXXX, security is a top priority. We are reaching out to inform you that XXXX recently discovered a cybersecurity incident that affected some of your information. 

In late XX/XX/XXXX, an unauthorized third party acquired information from some of XXXX 's U.S. systems. On or around XX/XX/XXXX, we determined through our ongoing investigation that personal information of certain customers was affected. 

We have taken actions to secure the affected systems, and have engaged a leading outside cybersecurity firm and are coordinating with law enforcement. We want to assure our customers that the issue did not impact Social Security numbers or credit and debit card numbers, but in some cases, may have affected information such as name, contact and demographic information, date of birth, and product registration information. The information affected for each relevant customer may vary. 

At XXXX, we value the trust our customers place in our products and services trust that we have built up over many years. By working with industry leading experts, we will further enhance the security of our systems and your personal information and work to maintain the trust you have put into the XXXX brand for more than 40 years. 

We regret any inconvenience this may cause you and appreciate your trust in us. We have set up an FAQ page on our website for additional questions and answers along with recommended actions. 

If you'd like to check your credit report, you are entitled under U.S. law to one free credit report annually from each of the three major nationwide credit reporting agencies. More information can be found below. 

If you have any questions regarding this issue, please visit our website at XXXX.
Product: Money transfer, virtual currency, or money service

I had a cash app account and I asked for multiple disputes cause my account was accessed couple times I had lost my phone and they told me I validated terms and conditions
Product: Vehicle loan or lease

XXXX XXXX, 2023 I was denied credit to finance a vehicle at XXXX XXXX. I was told I had to put a down payment of {$8700.00} down. when according to 15 U.S Code 1662. that is illegal in a consumer credit transaction. i do have video as well.
Product: Vehicle loan or lease

In response to XXXX, XXXX at Mercedes Benz , has not adhered to any of my requests, and still has no specific reason for the denial. ( see attachment ) At this stage, XXXX XXXX  XXXX ( see attachment ) can not verify, admitting they were wrong yet not providing me any remedy, that is working backward and against my consumer rights. 

Mercedes Benz expresses we are unable to answer questions related to credit decisions directly with an applicant. Then why are you accepting credit applications? just to take the information and sell to third parties. This has to stop. ITS ILLEGAL, ALL these violations of Federal Equal Credit Opportunity Act, and Consumer Credit Protection Act. 

ITS DISCRIMINATION! Also UPHOLD the Privacy ACT of 1974 XXXX expresses they are an indirect lender, Ive written to Mercedes Benz, XXXX XXXX XXXX, XXXX and XXXX, seems like all of these companies are hand in hand and are discriminating against me. Its unfair and really feels horrible knowing I have full faith and credit of the United States, and have to go through all these rigorous events to get a beneficial result. 

I will escalate to arbitration, because writing to CFPB just doesnt seem to equate, its clear as day I am being discriminated. 

XXXX- MBFS would not be able to accept your correspondence as satisfaction of a contractual obligation. What is she talking about?, Ill express my demands again, send the approval details and purchase order contract as the obligation, for my security application, from XX/XX/XXXX. I never expressed any of these correspondences to be an obligation of contract. It really is irking me how no one is honoring whats in writing. They Just keep doing the same song and dance, which helps me none! Help me help you, thats how this economy grows. 

Without Prejudice XXXX : Telesford UCC1-308 A All Rights Reserved.
Product: Credit reporting or other personal consumer reports

This is my XXXX request for the creditors to remove these accounts from my Experian credit report. I have also asked the creditor to provide proof these accounts belong to me. However the creditors have still not provided proof that these accounts belong to me, but the creditors are staying the accounts are verified without providing me with any proof. 

see attached
Product: Vehicle loan or lease

My car was repossessed in XXXX of 2019, it was once repoed but after XXXX weeks I got it out. Ive never signed any papers of volunteered surrender of the vehicle. Now I have it reported on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX ( account # XXXX ) has violated my rights. 

According to the Fair Credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

After further research, according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

All of my personal information has been exposed in the recent XXXX XXXX XXXX XXXX XXXX  there were several accounts that were opened fraudulently without my authorization that range from XXXX to XXXX dollars. The accounts consist of of lenders such as : Prosper Loans, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition there were between XXXX to XXXX attempts to apply for loans as well per my credit report.
Product: Credit reporting

Experian continuesto claim they have verified a XXXX account, XXXX XXXX from XXXX XXXX XXXX From XXXX, XXXX XXXX XXXX from XXXX and I sued these companies and have a legal settlement from both that they 've requested the accounts removed. Experian refuses to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus never did a proper investigation according to the FCRA The Term investigation consumer report means a consumer report or portion thereof in which information on a consumers characteristics or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

they did not do this. 
Also, they have violated my right even more in accordance with the Fair Credit Reporting Everything has to be 100 % Accurate on my credit report. 

The Credit Bureaus stated account # was properly investigated but how is that possible if the address on file is inaccurate, place of employment,. This ground for removal, They have violated the law because according to In accordance with The fair Credit Report Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 this account has violated my rights.

15 U.S.C 1681 section 602 A. States i have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The identified transactions are not information related to any transaction by me as the consumer : XXXX Account # XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report immediately I look forward to your response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported a car loan on my credit report for account number beginning XXXX, opened on XX/XX/2023, even though my wife owns the car and is the primary lienholder. According to the definition of cosigner in 15 USC 1650 ( a ) ( 1 ), a spouse is excluded as a possible cosigner. Therefore, the loan should ONLY show on my wife 's credit report ( which it does ) and should be removed from my credit report. Furthermore, 15 USC 1681 section 604a section 2 states that a consumer reporting agency may furnish a consumer report only per the written instructions of the consumer to whom it relates. '' XXXX XXXX and the credit bureaus do not have my consent to furnish this information, written or otherwise. Any consent to XXXX, XXXX, Transunion or to XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise, is revoked.