23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

TransUnion has inadequate & incorrect criteria for credit reporting. For instance, I have had over {$56000.00} in auto loans over the last 10 years, paid XXXX % on time,XXXX yet this is n't figured into their scoring procedures, plus XXXX % on time mortgage payments on hundreds of thousands in real estate loans. In addition, they improperly weight 2 late payments as extremely credit lowering, where on the XXXX accounts in question alone, this represented XXXX % of payments over 24-48 months and they give no credit for XXXX auto payments made on time. I 'm sure they do this to everyone though it is a totally invalid and misleading approach to representing an individual 's payment & credit status.
Product: Money transfer, virtual currency, or money service

I was scammed by people posing as chime service members. They were able to take {$4800.00} from me. The phone number you can contact them at is XXXX. 
There were several transactions made to that total. The scammers used the app anydesk to gain my ip address and were able to see my phone screen. The made it sound like I was verifying my accounts but they were actually emptying my accounts. This was through chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted an investigation multiple times, my status hasnt updated for 2 months even though all of the other credit bureaus have updated my status for my XXXX credit card balance, now paid off.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX dba Midland Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Midland Funding, Your company has not verified the alleged debt. You entered false information on my credit report, which I have disputed. You are in violation of the Fair Debt Collection Practices. You gave false information to a credit-reporting bureau. A credit-reporting bureau maintains a system of records protected under the Privacy Act. The law provides equitable relief in the form of expungement of records 5 U.S.C. 552a ( g ) ( 1 ) ( C ) affording civil action against an agency.

As a third party debt collection agency, you are attempting to collect a debt without validation. Your entry on my credit report constitutes limited-content-message under the Final Debt Collection Rule Issued by Consumer Financial Protection Bureau and the Fair Debt Collection Practices Act.

The Federal government documented my stolen identity in the XXXX data breach in XXXX. The information on my credit report alleges the account opened XXXX XX/XX/XXXX, the year of the XXXX Data Breach and became delinquent XXXX XX/XX/XXXX. It is impossible to be delinquent on an account not yet opened. 

The Virginia Statute of Limitation on debt collection is 5-years from the date of delinquency. XX/XX/XXXX ends your ability to collect this alleged debt. Your attempts to collect this unverified and disputed debt exceeds the Virginia Statute of Limitations by 1-year, 5-months and 21-days of a Time-Barred debt. Your attempt to collect this alleged debt breaches the FDCPA in Virginia.

By placing a lien on my home, you are threatening to take a non-judicial action to effect dispossession or disablement of property when there is no present right to possession of the property claimed as collateral through an enforceable security interest. This is an unfair debt collection practice identified by the FDCPA.

I am not responsible for this fraudulent debt. Remove your entry from all Credit
Reporting Bureaus. Release any lien notices on my property and mortgage agencies. I demand the name and address of the original creditor and original documents that prove collateralization of the debt. 

You are prohibited from furnishing information about a debt to a consumer-reporting agency before engaging in specific outreach to me about the debt. You breached Debt Collection Practices ( Regulation F ) Final Rule. 

CEASE and DESIST collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Mortgage

I the consumer applied for a Navy Federal Refinance loan and was denied. According to the Equal Credit Opportunity Act, Adverse action against a consumer is against the law. This is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1691k. I have proof of discrimination by Navy Federal due to their response by the company. See attached. Navy Federal is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I the consumer made an application in good faith but credit was not issued. My SSN was used and I again received no benefit. This is proof of Fraudulent activity on Navy Federal behalf. I also, have additional information of certified mail sent to them by me to resolve this matter given credit can not be denied. I will await response back to fix this issue and will follow up with violation fees and damages caused by being denied. Thank you.
Product: Student loan

Throughout the pandemic pause Navient has continued to take payments as scheduled. I initially called and filed for a pause when my dental office was closed in XX/XX/2020 which a Navient representative approved during our conversation. The regularly scheduled auto-payment however was withdrawn on schedule. All subsequent payments have been withdrawn since. During the time of the pause on payments and interest the payments have been taken with interest. On one month, XX/XX/2020, the payment was on time, and put to interest only. To date Navient has taken {$4600.00} in interest during the pause on interest. Early on, Navient representatives were apologetic. Now they state that my loans are owned by them, not the XXXX. of XXXX. I checked online and the XXXX. has Navient listed as my loan servicer, and still as the federal loans that they always were. 
Any help dealing with them and getting the interest changed to principle would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not give your company permission to share, sell, release or report information derived from my consumer profile and that was derived from your data files within your systems. Reporting to affiliates or any third-party affiliates ( Transunion, XXXX, XXXX ) violates my privacy. The information you have furnished is inaccurate and incomplete. I am a consumer who has been the victim of fraud. I have a fraud alert on my credit profile that was ignored by your company to issue credit. CRAs have a responsibility to protect the privacy of the personal financial information of their customers and consumers.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The contract was ended in 2016. The debt was written off by the company in 2016. This is no longer a valid debt. No valid contract exists.
Product: Payday loan, title loan, or personal loan

I performed a search on the internet for quick money and/or need money fast. I received roughly 20+ calls from these loan sharks. Now I still do not know the name of the original company but I believe this is the company that is now having some " legal '' department call myself, guessing at people I know. Jeopardizing opportunities I may have for employment by calling people that are links on my XXXX  account etc. They continue to call and threaten harass and state they are going to serve me papers and tell every type of person I mentioned above that they are going to serve me papers and list some case number and other Personal information, addresses new and old are given out from the collector to people I do not even know. I know what whomever they may be is doing they are trying to scare me with this serving papers and calling my colleagues some times up to 4 times a day. Some of these people tell me they feel like they are in trouble with the wording this attorney or internal to whomever this original collectors uses. I do not remember receiving any lpan let alone a specific amount. They tell me and all the people they think know me that they are going to send me legal documents and again list some erroneous case number that matches nothing in the California open limited civil cases. I know they do not have such papers at least in my county where they would need to be filed so I know that is a lie. My biggest issue is that these people can ruin my chances of finding employment and secondly at this point cause additional XXXX XXXX  related to overwhelming worry and stress. May be that this inbox loan preys on the desperate. Regardless I have know idea what to do. They are truly acting like the mafia and jeopardizing by ability to gain employment. I am afraid for my life and want the to stop their scare tactics and more than 3 calls a day to myself and others. They switch around the list of who to bother each day. They do not have an idea who they are calling and just call any and all to give out personal information
Product: Bank account or service

UPDATED COMPLAINT XXXX/XXXX/2015 I have been following my checking account for several days and was led to believe that there was more money in my checking account than was actually there. On Friday, XXXX/XXXX/2015 my account showed that XXXX outstanding checks in the amount of {$50.00} each had been paid and that I had a balance of {$24.00} approximately. I had XXXX ( XXXX ) outstanding check in the amount of {$25.00} and when I deposited {$13.00} electronically yesterday XXXX/XXXX/15 my account was overdrawn by the last {$50.00} check that my bank said was paid. I was charged {$12.00} and {$50.00} was withdrawn from my savings account to cover the over-drawn check. Now my account shows a balance of {$12.00}. I have been a loyal customer for years and I have never had any problems with my bank. Lately, I have been having problems with businesses that I had no problems with before such as my student loan lenders, XXXX. I had to file a complaint on them because they kept claiming to lose my applications for forbearance. I have been harassed by XXXX XXXX XXXX and have asked that they leave me alone. Despite my efforts to get them to leave me alone, they continue to harass/threaten me. It has gotten really out of hand. I even posted posts online asking them to leave me alone to no regard. This week my XXXX credit and XXXX accounts were hacked and I could not close out my checking, credit, or debit cards.. I had to call XXXX so they could close my account. 
How complaint can be satisfactorily addressedI am requesting that U.S. bank stop payment on check XXXX a lost check at their expense.
Product: Prepaid card

On XXXX my upgrade card number was duploicated and used at a XXXX over 8 hiyrs away from were I was at that time. There were 3 withdrawals made. They refunded the account fees but the the funds that were withdrawn fraudulently. There representative is the one who informed me that the card number was duplicated.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : Bank XXXX XXXX Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX Account Number:XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX XXXX  Account Number:XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE!
Product: Credit reporting

I had a past due balance from child support enforcement reporting to all XXXX agencies. This was paid in full in XX/XX/XXXX and updated on my credit reports in XX/XX/XXXX ( removed from both XXXX and XXXX ). I contacted the child support enforcement agency to confirm that they also sent updated information to Equifax and was advised that they did. I disputed the information to Equifax and advised that the balance is incorrect and the payment information was also incorrect. I attached a copy of my current account statement and requested investigation. Equifax advised that they investigated and found a past due balance and last payment information. Both are incorrect. I do n't believe they investigated at all. The past due balance that they claim was updated is exactly the same as it was when I filed the dispute. They are also reporting this account as a collection account. I have no collection or past due or arrears balance with child support and in fact, due to the way my order is structured, receive a refund for overpayment in the amount of {$25.00} every single month. Equifax is not correcting the information, and as I stated, I do n't believe that they investigated this at all, or they would not still be listing a collection account or at the very least would have corrected the past due balance. I have attached the same document I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI AM UPSET THAT ON XXXX XXXX XXXX XXXX XXXX WAS ON MY CREDIT. THIS COLLECTION IS NOT MINE AND I CANT MOVE FOWARD WITH MY LIFE WITH THIS COLLECTION. IT IS FARDULAENT AND NOT MINE. I HAVE XXXX KIDS THAT I AM TRYING TO MAKE A BETTER LIFE FOR BUT I CANT BECAUSE OF THIS. I NEED THIS REMOVED ASAP SO I CAN START MY NEW JOUNERY
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$420.00} Late/Closed XXXX XXXX
Product: Prepaid card

Direct Express by Comerica Bank is the agent that administered the social security XXXX, I file a police report which detail the theft situation I have, I lost my DMV and social security card and Direct Express think I am someone else who make the call to close the account, so far I could not access the direct express debit card and may not get the benefit in XXXX. 
XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Product: Credit reporting 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 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 has violated my rights I looked at my Experian credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 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 that the information is inaccurate.
Product: Debt collection

Received several voicemails for past month from this company since I never got anything in writing from XXXX associates it sounded like a scam. Plus my family members phone as well, one person said I won a cruise?? Another saying somone taking me to court XX/XX/2018 XXXX contacted at me at my job in regards to a debt from a student loan account, representative contact me saying it was a personal issue, explained they are a law office not a dept collection agency working for XXXX XXXX trying to contact me on my cell. When I asked not to call me at work there response was, since we are a debt collector we will take it into consideration but we can contact you at work if you wil not Work with us. Asked representative for a call back number which she provided. Advised I will call in 15 mins when Im on break. 

Called back at XXXX, a little later since I am at work! Reach another rep who said she was a supervisor this final landed on her desk today and the company they are working for is getting ready to take me to court. I got upset and asked who are they she explained, XXXX XXXX XXXX XXXX not a collection company a law office they have lawyers so they are able to call my job, phone or family members if they need to reach me at any time ... then went on to say she can settle a debt over the phone if I give a credit card. I explained I dont feel comfortable 1 ) I never heard about this debt. 2 ) I want something in writing 3 ) Im going to contact company before I pay anything. Her response during conversation, we will garnish your wages if we have to, asked for my social security number which I didnt provide since I have no clue who they are, said she will get a lawyer on the line. Asked for my job info, my response was the other representative just called my job why dont you know information? No response. And no they can not mail a letter but can email it including a settlement amount. If I dont pay today it will go up.i never agreed to an amount since I wanted to see something in writing. There is no company license number on letter. Took 30 mins to email letter. I explained once I receive letter and contact XXXX XXXX I will call back.
Product: Checking or savings account

I applied for Hud Section 8 housing, and throughout the credit check, they informed me I had 3 accounts open with Wells Fargo Bank. 
I have never had any dealing with Wells Fargo ever. I signed a notarized affidavit saying this. 
Am interested do compensation? It hindered my application for Sec 8 housing. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was denied a passport, a home loan and a business credit card among other pertinent THINGS THAT WOULD ULTIMATELY HAVE CHANGED MY LIFE FOR THE BETTER based on ALL information illegally reported on my credit report, Transunion, XXXX and XXXX. the department of Revenue of California was one of the things on the report that has drastically hindered my ability to receive and use my veterans benefits for things that i am entitled to after my service in the United States armed forces. 

These credit reporting agencies have broken the law by the act of identity theft as I have not ever given written consent to these agencies to report anything about me, the inquiries that appeared on said reports should have been limited to the things that I attempted to acquire to better my quality of life, this has resulted in years of financial mayhem. 
pursuant to the FCRA 15USC 16 81, WHICH STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 ( 604 ) A ( 2 ) HICH ALSO STATES THAT THE CONSUMER REPORTING OR ANY OTHER AGENCY CAN NOT FURNISH ANY INFORMATION ABOUT ME ITHOUT MY WRITTEN CONSENTOR WRITTEN INSTRUCTION TO REPORT ANYTHING. PLEASE HAVE THESE AGENCIES DELETE THESE THINGS IMMEDIATLY OR I WILL BE FORCED TO PURSUE CIVIL SUIT REQUESTING MONETARY RELEIF ON MY BEHALF. THE DATES THAT ACTION WAS TAKEN WAS XXXX  the amounts are over XXXX which are a balance from several so-called creditors none which have provided a copy of a requested contract or signed agreement to me as they have all stated that that information is not available for my records
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete this charge off account XXXX XXXX XXXX XXXX for inaccuracy Because the date last updated shows XX/XX/2023 on XXXX, XX/XX/2023 on EXQUIFAX and XX/XX/2023 on XXXX Delete this charge off account XXXX XXXX XXXX XXXX for inaccuracy Because the original balance shows : XXXX on XXXX, XXXX on EXQUIFAX and XXXX on XXXX