23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Was made aware of a Writ of Garnishment on all financial accounts with my SS # tied to, that are legally exempt from garnishment by a law firm called XXXX XXXX. After contacting them, it 's in regards to a judgement that was issued by falsified documents, improper service, and no evidence that I was even the account owner. I was never made aware of a judgment and they have done everything they could to hide documents so I would n't know all the details. I was able to get into the courts records of the case against me and was able to find these improper documents they used as " evidence '' against me without my knowledge. The account that they used in an attempt to extort money from me illegally, was a charge off by XXXX bank back XX/XX/XXXX. According to this, the first delinquency would have to have been nearly a year prior to that. Even with that date, this account would have been considered " time-barred '' and a legal suit against me could not happen. Hence why they tried to circumvent Texas law, where I have lived my whole life. I have all the court documents pertaining to this issue now. I received notice XX/XX/XXXX a hearing XX/XX/XXXX to object to the garnishment and I 'm having difficulty getting a court clerk to call me back to set up a telephone conference seeing that I do n't live in Utah and do n't have the ability to appear in person. I 'm actively trying to find a way to have this judgement set aside now, but my funds are limited and the time constraints in my response are short before my protected funds are handed over to these crooks permanently. They only took about {$1000.00} all together, but over {$800.00} of it was from my XXXX daughters account. Because of Texas law, I had to be listed on her account because she is a minor. I 've taken steps to protect her from future issues that may arise, but she deserves to get her hard earned money back. We just do n't have the money available to us for legal counsel. I 've also done research on Federated Capital Corp and there is a website that specifically addresses my exact issue and this is a common practice with them. Also, the attorney 's in question, keep changing who they are affiliated with. One day its XXXX XXXX, the next it 's Federated, and then yesterday I find out that their email addresses are XXXX XXXX. How is this legal and who are they really? According to Texas XXXX XXXX, this would n't be acceptable and is highly suspicious and unlawful. I 'm just hoping that someone will come in and speak up for all of their victims and do something about this. I 've currently filed a identity theft report with my local law enforcement agency, # XXXX ( has n't been made available to attach yet XXXX, and I 've filed a complaint the the Texas Attorney General office as well.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax, Transunion & Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have inaccurate information on my credit report
Product: Credit reporting or other personal consumer reports

but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
Bk of XXXX. 
XXXX Bank XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX. 
XXXX CR/Dodge of XXXX XX/XX/XXXX XXXX 
Bank XXXX XXXX XX/XX/XXXX. 
XXXX Fed XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX.
Product: Mortgage

In XXXX 2011, my mom and I purchased a multi-family house in need of renovation, from Bank of America for $ XXXX in a short sale. At the time, the Bank of America loan officer handling the short sale ( XXXX XXXX XXXX ) told us the house would not qualify for a financing via a conventional fixed mortgage with 20 % down, due to the condition of the property so he arranged an FHA loan, even though we had enough cash on hand to buy the property outright at the time and would have preferred conventional financing. The FHA loan came with a mandatory 5 yr PMI payment that we were told we could remove once we reached the 5th year by providing documentation of the increased equity value from the renovations we were undertaking and paying for a new appraisal to verify the improvements. To date, we 've improved the property by more than {$95000.00} in materials and restoration work. At closing when we asked again, the Bank of America loan officer repeatedly assured us that upon presentation of the completed renovations including all new windows & door, new porch, new deck, new kitchens, new bathrooms, new plumbing, new hot water heaters, new furnace & updated electric, we would be able to remove the PMI. It has now been 5 years and upon contacting Bank of America, we are being told something entirely different. They say we can not remove PMI unless we make an equity payment of a lump sum to bring the loan value to 78 % of the original purchase price & appraisal value ( which is significantly undervalued because of improvements ), even though we were specifically told otherwise as we went through the loan process and also upon closing. This is not what we agreed to nor did we sign anything that said that.
Product: Checking or savings account

My account got overdrafted for XXXX transactions that were made at night and the next morning I deposited funds, They have an extra day grace period and did not respect it, and refused to refund.
Product: Credit reporting or other personal consumer reports

I have tried for several months a to get these XXXX  removed that I never filed. I called the court they said they didnt verify and information with TransUnion or its affiliates. In XX/XX/XXXX and XX/XX/XXXX I filed a dispute with TransUnion concerning the XXXX. It was denied removal. I also have several inquires that are incorrect and TransUnion refuses to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late with my mortgage payments, and I have provided all 3 credit bureaus proof that I have paid on time, and they still will not fix my late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported this account as delinquent for amount of {$22.00}. This amount was paid in full on XX/XX/2021. The due date was XX/XX/2021. Because of this situation my credit score was affected and decreased by 72 points in Transunion Credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to validate both of these debts listed in the letter I have the right to do so
Product: Credit reporting or other personal consumer reports

I have a fraudulent inquiry on my Equifax consumer report fated XX/XX/year>. I provided EQUIFAX with my FTC report, ID, SS CARD and they keep coming back with my claim is FRIVOLOUS. What more do they want from me to prove this inquiry is fraud. There are no accounts with this bank and the inquiry is being disputed constantly=
Product: Student loan

I was told I could have a lowered monthly payment the paperwork never came and they put me in forbearance, I then went into default. I went through a rehabilitation program to get back in good standing and was told they would send me paperwork for another lowered payment and still have not received the paperwork! Now again I am in forbearance!!! I have tried everything in my power to do what I need to do so that I can pay this back!
Product: Checking or savings account

America First Credit Unioncreated a new premium checking account with a XXXX XXXX/mo fee and auto enrolled their clients in it automatically. 

I do not want this service and would rather keep my free account and forgo the premium features. 

A company should not secretly subscribe members to a paid service. This should be an opt in scenario
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several fraudulent inquires on my credit file. There is also a fraudulent account opened on my credit file.
Product: Checking or savings account

On XX/XX/XXXX I was contacted by a Navy Federal Credit Union impersonator who had spoofed the NFCU phone number. They had all of my personal information and used it to take out a {$4900.00} personal expense loan in my name and then tricked me into sending that {$4900.00} to another NFCU account that they had added to my account-to-account transfer tool. As I was going through setting up new checking accounts on XX/XX/XXXX, NFCU froze {$4900.00} of my funds for a reason they will not disclose. This money had nothing to do with the fraud that took place. Since then, Navy Federal Credit Union has mishandled my case, lied to me about acquiring further information, and stonewalled me. I have contacted local law enforcement, submitted an IC3 report, and contacted multiple law offices in case they become necessary. 

To elaborate on how they've mishandled everything : ~NFCU has frozen {$4900.00} of my funds that have nothing to do with the fraud that occurred. 
~NFCU has left the fraudulent loan that the identity thief took out in my name on my account to build interest and ruin my credit. 
~NFCU personnel took 2 weeks to inform me how to properly submit a fraud claim. I had called them several times in this period.

~NFCU personnel told me I could get in contact with my fraud claim investigator through their eMessage tool. I attempted several times to get in contact with the investigator but only got investigations department clerks who never answered any of my questions properly and would shut down conversations without acknowledging anything I asked for.

~After the above, NFCU fraud department supervisors told me that they were sorry for how severely mishandled my claim has been, and told me that if I sent another eMessage to the investigations department that they would make sure that the investigator called me back. I was immediately told by the investigations department clerk that is not true, has never been true, and that investigators will never contact a customer without legal pressure. Whether that be a lawyer or a subpoena.
Product: Credit card

The suspect ( accomplice ) XXXX XXXX XXXX XXXX who received most of the XXXX XXXX transactions in XXXX as shown in the attachment. He and his other accomplices created a scam website XXXX ( now XXXX ) that I was introduced to by the main suspect known from XXXX in early XX/XX/XXXX. I registered at the website to earn commissions by taking and completing orders online ( not physical items ). The website and its scammers instructed me to deposit or make bank transactions via XXXX to the bank XXXX in XXXX to fulfill certain VIP levels to complete orders and earn commissions per VIP levels. However after many false promises to let me withdraw all my deposited capitals or funds and close the account, I still can not withdraw anything at all as of today ( see attached images ). 

I filed multiple complaints online at FBI XXXX ( FBI ( XXXX ) XXXX XXXX XXXX crime ) after meeting the 1st agent who initiated the case on XX/XX/XXXX, and following up with the 2nd agent on XX/XX/XXXX at the local FBI office on XXXX XXXX XXXX in XXXX, Texas. However the FBI agents would not disclose their names and provide a case # and only contact me if needing more information. They encourage me to provide more relevant information which will be the cases with other involved police jurisdictions ( where the high dollar value bank transactions took place ). 

I filed a police report # XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This is also required as I currently reside in XXXX XXXX. 

I filed a police report against the main suspect on XX/XX/XXXX with XXXX. XXXX XXXX XXXX of the XXXX XXXX XXXX Department ( XXXX ) XXXX XXXX. His email address XXXX.
Product: Credit reporting or other personal consumer reports

Westlake is reporting inaccurate information about a loan that was settled. The amount they are reporting is incorrect, they seem to have different information reported with the credit bureaus. 

I am attempted to dispute this with Westlake, XXXX, and XXXX but have not been successful with getting this concern corrected. 

The credit bureaus are doing incomplete investigations and just going off of what Westlake is sending them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors reporting false information to credit bureaus. 

1.The following accounts report false information to all three credit bureaus. 
JPMCB CARD XXXX Please remove it from my credit report. 
If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain, it has three different last activity dates. Take a look at year XXXX they reported to XXXX the account as paid on time from months XXXX, but they reported it as XXXX with XXXX. In year XXXX it was reported paid on time in XXXX but with XXXX it was reported as a c/o. 

2.The following accounts report false information to all three credit bureaus. 
XXXX XXXX XXXX  XXXX Account XXXX Remove account If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain it has three different last activity dates. Also in XX/XX/XXXX its reported as 90days lates but the month before says paid on time. Its impossible to be 90days late if it was paid on time a month before. 

3.The following accounts report false information to all three credit bureaus. 
XXXX XXXX Account Number : XXXX remove account If you take a look of the file is sent you can see that this creditor is reporting different information to all three credit bureaus. To further explain, it has three different last activity dates. Also with transunion it stated account was close due to transfer yet its still reporting payment after year XXXX with XXXX. Also in year XXXX it says 90 days late in XXXX but the month before says paid on time. Its impossible to be 90days late a month after it says it was paid on time.
Product: Checking or savings account

date : XX/XX/year> XXXX amount : {$7200.00} I deposited money ( {$7200.00} ) into my Chase account using an ATM but the ATM just ate my money and showed a white screen saying that there was a problem with the transaction. It never gave my money back and only gave me a receipt ( attached in the documents sections ) saying that " To be sure your deposit went through, please call us at XXXX. '' I went straight into the branch and addressed this issue and the person I spoke to just said I should call the number on the receipt because they can not deal with this issue. I came back home and called the number right away and filed a claim providing the details on the receipt and the Chase representative told me that they will investigate this and get back to me within 10 days. I received a letter yesterday that they have done research and on the letter it said : '' We found that the transaction ( s ) was processed according to the information you provided or was authorized. '' but also that " No adjustment will be made to your account at this time. '' which seemed to be giving two opposite information. They say the transaction was processed/authorized but I was seeing no money added onto my account. So I called the customer service again today and they were saying that the claim actually got declined and the only thing they could do is to do another investigation. I was told that even if in the second review if they can't locate the fund then there's nothing they can do because only the back office and technician is in charge of this investigation and Chase themselves can take no other action on their discretion. This was problematic in two aspects. First, the amount that I deposited is not a small amount but how can they not locate this money. If they have done the investigation correctly, the difference they are seeing in the ATM should be apparent because it's such a large amount. Secondly, Chase representative was not able to resolve this issue making an excuse that this is dependent on the investigation result they get from the back office and technician and if the money is not found from there they there's nothing they can override. I am really bothered by this because the way they operate in how to locate such fund can not be an excuse to not being able to make any reimbursement when such incident has happened using Chase ATM. Even if the back office and technician can't locate the money ( which I really don't understand why they can't ) Chase should have my back protected and reimburse the money that I deposited. The money that I deposited is a really big amount for me and I meant to transfer it to a brokerage account for investment and thus I am eager to get my money back by raising this issue through the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to obtain my Experian credit report and credit score from a multitude of sources. I used to have a FICO Score XXXX with Experian of around 800 not long ago ..... 
My XXXX XXXX Score XXXX is close to 800 and my XXXX XXXX Score XXXX is also close to 800 all taken from the Experian website...... I've tried to resolve this issue with Experian and they told me to contact my XXXX  XXXX XXXX  because they are not receiving info from them ... ..I contacted XXXX  XXXX and they told me they send my info to Experian on or around the XXXX of every month ... ..I 've given Experian other bank accounts and cards and still get nothing reported... ..With many hours of research I finally realized that it was Experian preventing me from obtaining and being denied to purchase anything on credit ... ..I then went and checked other consumer complaints only to see that there are over 2000 other complaints that are having the same or similar problems .....
Product: Debt collection

I HAVE CALLED XXXX XXXX XXXX SEVERAL TIMES AND TOLD THEM I DO NOT HAVE INSURANCE WITH XXXX XXXX AND NEVER WILL, THEN I CALLED XXXXXXXX XXXX COMPANY AND THEY CANT EVEN PRODUCE A ACTUALLY POLICEY, JUST A QUOTE FROM XXXX OF LAST YEAR. HACK I DIDN'T EVEN DO THE QUOTE!!! I HAVE REPORT XXXX  TO THE XXXX XXXX XXXX WERE I WORK AND NOW THE FRAUD DIVISON IS LOOKING INTO THIS AND SEVERAL OTHERS WHO ARE REPORTING THE SAME PROBLEMS. NOW THEY HAVE REPORTED A FRAUD ACCOUNT TO MY CREDIT REPORTS AND THE ACCOUNTS WASN'T EVEN SET UP. SENSE I WORK WITH THE XXXX XXXX I  LEARN WHO THE GOOD COMPANIES ARE AND XXXX IS NOT A GOOD COMPANY!!!!! THEY ARE A FLY BY COMPANY AND CLEARLY DON'T CARE ABOUT THE CUSTOMERS OR OTHERS! XXXX SAID THIS ACCOUNT WAS SENT UP ONLINE AND IT WAS A SOUTH CAROLINA QUOTE!!!! I DON'T EVEN LIVE IN SOUTH CAROLINA. I HAVE ATTACHED A POLICE REPORT AND A FRAUD REPORT FROM THE XXXX XXXX INVESTIGATION DEPARTMENT .I WANT THIS ACCOUNT REMOVED ASAP OR ILL BE FILLING LAW SUIT IN NC AGAINST XXXX XXXX XXXX AND XXXX.
Product: Debt collection

On XX/XX/2019 I received a email notice that my Credit Score had a change and to review for accuracy. When I looked a XXXX, XXXX and XXXX, I saw that a debt collection had been added to my file causing my credit score to drop from 750 's to XXXX. 

When I reviewed the issue it appears that the debt collector is Phoenix Financial Services and is a medical bill. Of note, I have NEVER received any notices, bills, demand statements, calls, texts or emails regarding this issue. 

I sent an email to Phoenix Financial Services requesting documentation as to the validity of this debt, to which they have not responded. 

Should this be my debt, I have always maintained health insurance which would have surely notified me of any outstanding non-payment of services. 

I have excellent credit and pay all my bills ... this irresponsible gesture has hurt my credit report with no communication whatsoever from this company.
Product: Debt collection

This is my third complaint about Stallings Financial. I am providing their first response they provided to CFPB where they said they acquired this account on XXXX and sent correspondence to XXXX XXXX XXXX, XXXX Ga etc. Now they responded saying they sent notices on XXXX. I am also providing a rental agreement showing that I live in XXXX XXXX and my current address as of XXXX/XXXX/XXXX. Prior to this address, I was living at another XXXX XXXX address. As I stated before, I did not get mail to dispute this account. Please investigate their false statements. This company is difficult to deal with and I have informed them of my move and not receiving any mail from them to dispute this account in the amount of {$220.00} from XXXX XXXX and XXXX XXXX.
Product: Student loan

Navient would not allow me to make a payment toward my principle balance. I had to talk to XXXX levels of supervisors before someone would " allow me to make an exception '' and make a payment toward the current interest and whatever was left over would be made toward the principle. My regularly scheduled payment was not due for another two weeks. I am very unhappy that they would n't allow a payment directly toward the principle ONLY.