23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

XX/XX/XXXX I got on App with the promotion 2 days earlier to paycheck from my job. I downloaded it call moneyLeon. 
First direct deposit went through. But XX/XX/XXXX rent bill was going to pay. I did transfer from the app to my bank account. On error was made from me went trough an option Investment. Right away I contact them each day since XX/XX/XXXX until XX/XX/XXXX after each morning sending emails same poor answer from them I had fees I did pay on my rent. And unfortunately this company used my own money invested and lost some amount in the market. I got less from an error and plus they add me u a loan that called security credit repair. Something I never got informed well and now there is a loan of XXXX plus late fee and late due payments that I never signed with my Consent and is open and active and is ruining more my por credit after a divorce process
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$5000.00}
Product: Debt collection

XXXX worker stole my XXXX XXXX phone didnt put it on receipt they know this information I reported this and my info was sold to accounts receivable I am not paying this money and they keep calling and harassing I never spoke to them they know and they can research with XXXX  XXXX its all documented
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2011 Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX A NATURAL BORN PERSON. " In light of recent investigations brought upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past 5 months I have made several attempts to remind you of your duty pursuant 15 USC 1681. It appears that XXXX XXXX XXXX is intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A5 ) says that after the reinvestigation ... ... all of the unverified information must promptly be removed. 
They can see in there system that this account was previously disputed without being verified. XXXX has violated my right to privacy I NEVER GAVE THEM Permissible purpose to Furnish any information on my behalf. under 15 USC 1681 ( a3 ) .They assumed this role without permission not only that they did not have my consent. They not respect my right to privacy which is under 15 USC 1681 ( a4 ). The account being disputed is United Auto Acceptance XXXX of XXXX GA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank XXXX : I was not late on this. I have never been late on this account. I pay through the app for this account.
Product: Debt collection

Contacted my sister in law about my debt. The original loan was XXXX XXXX I have never done business or anything With Rev-Now. I have never signed or agreed to pay Rev Now and have never done business with them.
Product: Credit card or prepaid card

On XX/XX/2023 I was invited to apply for a XXXX XXXX XXXX Credit card through EXPERIAN with excellent approval odds, Only to be denied in return and also affecting my credit score by lowering 70 points. I was on my way to a great reporting status until the denial of credit through Experian after being denied. This denial also attaches a few hard inquiries to my report which is an injustice.
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX has violated my rights XXXX XXXX Act # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX acct # XXXX has violated my rights XXXX acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX  XXXX Acct # XXXX has violated my rights XXXX XXXX  XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # 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 an account without my written instructions.

15 U.S.C. 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information other than records of convictions of crimes which antedates the report by more 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

On XX/XX/XXXX I noticed a delinquency on my credit report. I immediately contacted the reporting collection agency to dispute the debt because I thought it was identity theft. I learned from XXXX XXXX XXXX that the original debt was from XXXX XXXX XXXX for XXXX XXXX my ex-husband. We were divorced in XX/XX/XXXX and this debt was for an overdraft of his checking account in XX/XX/XXXX. I disputed the debt as I am not liable for his debts after our divorce nor did I have any knowledge or any part in what happened. I provided our divorce paperwork to XXXX to remove myself from any joint accounts years ago. I was told by XXXX XXXX XXXX that there was nothing they could do and that I was liable for XXXX debt. I immediately contacted XXXX to dispute the debt. I was transferred to a member's resolution specialist. I explained that situation and disputed the debt. I was told that I was liable for XXXX debt because they could not locate a copy of a signed release form. That is not my fault. I did what I had to do to remove myself from any accounts and I am NOT liable for my ex-hsuband's unpaid debts 6 years after our divorce! Please help.
Product: Student loan

I signed and gave the XXXX XXXX a down payment of {$490.00}. They told me by mouth to pay the school loan after you are finished with the entire course. Which every school loan is paid after completion. After there will be an exam to take when the course was completed. Well I failed the exam and was told to start paying the loan the week after. The school withdrew XXXX out of my account three times and refunded it back after I told them about what they told me before I signed the paper work that I was going to pay the loan after the course was completed. I did the 75hrs of class. I emailed the instructor for a retake and he told me that I was needed supervision for a retake after. Along this time to find there program app wasn't going to be functioning after XX/XX/2022. Im an honest person seriously even the class wasn't what I was expecting and there's something shading. There's something not adding up. There website for the class was functioning write too. All numbers of contact to call back are not in service and were unknown numbers. 

# XXXX XXXX XXXX XXXX XXXX in Administration.
Product: Debt collection

For several months now XXXX XXXX have been calling me and threatening me about a payday loan they stated I received. I recently called back on XX/XX/XXXX to get information and amount due but when I ask for further explanation or a supervisor the representative refuses to do as I ask then has actually hung up on me several times and I called backXX/XX/XXXX now when I call back the representative blocked my number I get a recording. I found their website and found a compliance manager email address and emailed him about this situation. I tried to call back and the representative will answer then place me on hold and never come back.
Product: Credit card or prepaid card

On XX/XX/2023 i hired a security firm XXXX XXXX XXXX XXXX XXXX to remove trojans from my computer. This XXXX asked for a different credit card to add to XXXX pay for future purchases. I gave my XXXX Credit card. Instead of adding to XXXX pay he purchased online from a Internet international provider heartlive.net {$120.00} twice. 
There is noway to contact Heartlive.net. 

I informed simmons bank but they informed me that since i willingly gave my credit card nothing they can do. 

I spoke to the softtech representative- XXXX XXXX The representative said just tell XXXX that XXXX XXXX, made a fraudulent purchase. But he refused to reverse it. 

XXXX refuses to stop payment. XXXX refuses to refuse to reverse it.
Product: Student loan

Hello My name is XXXX XXXX and I'm america with XXXX. I'm documented in my state if I need proof. 

I'm here for help. I have student loans and I believe I was taken advantage. I believe the people from Navient was not working in my best interest. 

I just feel I was given the wrong information and now I'm in a situation where I'm paying outrageous Dept. Also taken advantage of my XXXX and giving me false or misleading information. 

I'm lost thanks
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Mortgage

Between the date of XXXX while trying to obtain a modification from the America Servicing Company ( by Wells Fargo ) that was servicing my loan I paid approximate XXXX for each of the eight modification program I was denied which was over the amount of my mortgage note annually. I believe Wells Fargo received my account with XXXX XXXX XXXX XXXX XXXX XXXX fraudulently and used my account information to open a new account number under their company. I would like to request an independent audit of the origination and servicing of my mortgage account and legalization of how they obtain it and receive what violations were committed against me of any laws that were broken that led Wells Fargo of wrongfully foreclosing on my property. XXXX XXXX XXXX is claiming to be servicing the loan for XXXX XXXX  who hired attorneys to evict me from my property without standing in which I'm seeking legal assist in the federal district court of case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1000.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1400.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1400.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1100.00} Date : XX/XX/XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1600.00} Date : XX/XX/XXXX 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

This morning, I was shocked to see inaccurate accounts on my credit report, and I can't understand how this happened. I always check my credit report regularly, but this time there were errors that appeared out of nowhere. I even refreshed my browser, hoping it was a simple glitch, but the inaccuracies stayed. Im begging for the documents I sent to be reviewed thoroughly so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 fraud accounts on my credit. The first account is Midland Credit and the second account is XXXX XXXX XXXX. I didnt open either of those accounts and I am requesting these accounts to be removed from my credit. Upon contacting Midland, they have some one else information linked to my name and social. 
In reference to XXXX XXXX XXXX, they informed me that someone opened an internet account in my name. 
I am not responsible for these accounts.
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.

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. 

Name of Account Account Number Verification OFFICE OF THE ATTY XXXX XXXX The wrong amount is being reported XXXX XXXX XXXX Identity Theft. 
XXXX XXXX XXXX XXXX Identity Theft. 
XXXX  XXXX Identity Theft. 
XXXX  Identity Theft. 
XXXX  Identity Theft. 
XXXX  Identity Theft. 
XXXX  Identity Theft. 
XXXX  Identitu Theft. 

XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion did not correct reporting issue, company only updated existing status from XXXX XXXX. This vehicle has been sold and XXXX XXXX covered the balanced. This needs to be removed form my Transunion credit report.
Product: Credit reporting or other personal consumer reports

eXPERIAN RESPONDED WITH FAILURE TO 15 USC 1681i ( a ) and 15 USC 1681e ( b ) compliance procedures. failure to investigate trade line ( XXXXXXXX XXXX XXXX ) failure to do a re investigate as required by Federal law. Method of verification e-oscar electronic investigation is not reliable as it will trasmit the same fraud information back and fourth between the data furnisher and the Experian consumer reporting agency continuing to report false certification, same inaccurate information. I tem in question has to be deleted period ... its Federal law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

- On XX/XX/23 {$700.00} was taken out of my acct without my knowing - on XX/XX/23 found out that {$700.00} was missing from my checking acct, putting my acct into a deficit - On XX/XX/23 i contacted vystar customer service to inquire about the missing funds- On XX/XX/23 I was informed an investigation would be made - On XX/XX/23 I met with a supervisor at the XXXX XXXX XXXX florida branch and the following statements were made by vystar : - my claim was denied - and was informed that I will not be receiving my funds back - no specific reason was provided except that " XXXX is very complicated '' I feel that Vystar has a responsibility in having an effective process that allows me to indicate on every transaction whether or not I authorize the transaction. In this case, there was clearly a breakdown of process and I should be fully reimbursed or be given a full breakdown of their investigative process. 

Thank you for your assistance. Please let me know if I can provide any additional information to you or Vystar. 

XXXX XXXX
Product: Debt collection

From the very first contact of this company to the last contact of this company they have violated many laws. The very first time they contacted me and I told theme to stop calling. They continued to call my cell phone while I am at work and say if I do n't put it in writing they calls would continue. Second they use an autodialer which my phone number is on the do not call list which violates their laws of use of an autodialer. Third I payed off the debt and requested a payed in full receipt and they said they do n't send me one. Just a payment conformation. Fourth they are charging fees on top of the original debt which is not in the agreement of the original debt. 3 % fee attached to payment.
Product: Credit reporting or other personal consumer reports

I'm a victim of fraud/identity theft. These Inquiries are not mine nor did I authorize them. XXXX XXXX XXXX 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 or other personal consumer reports

I am filing this complaint with the CFPB to request that TransUnion, the credit reporting agency, block certain information on my credit report due to identity theft and fraud, as per FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Specifically, I want the following fraudulent accounts removed from my report : 1. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$5900.00}. 
2. A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under account number [ acct # ], {$6600.00}. 
3. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$5500.00}. 
4. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$6000.00}. 
5. A personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX, under account number [ acct # ], {$2900.00}. 

These fraudulent accounts have led to multiple hard inquiries and collections showing up on my consumer XXXX credit report. Ive attached a list of these hard inquiries and a copy of my consumer XXXX credit report from TransUnion that includes these fraudulent items. 

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are the result of identity theft and fraud. To support my case, Ive included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] that confirms all these accounts, collections, and inquiries are due to identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Equifax does not want to give me a credit report, the credit opportunity that the country offers us Equifax is denying me, XXXX does report
Product: Checking or savings account

On XX/XX/XXXX, I initiated a transaction in the amount of {$550.00} to a therapist from my PNC Bank Account via the XXXX application embedded within the PNC Bank app. Prior to initiating the transaction, I corresponded with the therapist via email, text message and viewed her website. Upon receiving the payment, she stopped responding to my emails and text messages. I have tried, without success, in getting my money refunded. I received no warning or notice at the time of disbursement that the funds would not protected by consumer protection law or fraud protection laws.