23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The original debt was for XXXX XXXX XXXX with Consumer Portfolio Services, in XXXX due to failure by CPS to honor statements by their representatives this vehicle was voluntarily surrendered in XXXX however payments were made through XXXX and the vehicle was not picked up until XXXX. The last communication from this company was a Volubtay Surrender form sent via email in XXXX XXXX  XXXX. Through my own tracking this vehicle was auctioned by CPS. 
Although we have moved twice since that time no contact was made despite mail forwarding and official change of address with the post office. 
This debt shows closed with a XXXX balance on our credit, however at the end of XXXX this year I was served with judgement papers from XXXX XXXX XXXX for the amount of {$8900.00}. 
I have never been contacted, and when I attempted to file a response I couldn't because they hadn't actually filed the papers, now as of XX/XX/XXXX, they filed the default of judgement. I was given no opportunity to file my response with the court, XXXX XXXX in XXXX XXXX North Dakota awarded it to them again with no time for me to file a response or knowledge that it had been filed. 
A response can't be filed officially until the case is filed and with no notice of it being filed and a judge that just pushes it through how can I fight a garnishment that is in fact not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, XXXX  The following accounts are being reported by the credit bureaus, and these account should be accurately. CRAs have a duty and responsibility to provide true and accurate information on my report. I have never been late on these accounts.Please Proof must be provide that these accounts were in infact late. If proof can not be provide it, update these accounts with paid and never late on the account. 

XXXX XXXXXXXX XXXX XXXXXXXX Late Payment ( never been late on payment ) XXXX XXXX Late Payment ( never been late on payment ) XXXX XXXX XXXX XXXXXXXX Late Payment ( never been late on payment ) XXXX XXXXXXXX XXXX Late Payment ( never been late on payment ) XXXX XXXX XXXX XXXXXXXX Late Payment ( never been late on payment ) 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 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. 1681c. ( a ) ( 5 ) : 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 personal 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 may be inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XX/XX/1993 SS # : XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX RE : update personal information, Second Request To whom it may concern : Ive been trying to get these addresses removed from my report for weeks, you guys kept saying that they have been removed and updated. According to what Ive pulled from my report, theyre still there. I've enclosed documentation providing proof of my current address, as instructed to do on your website; here is a list of the incorrect addresses that I am currently seeing listed ( which I would like to be removed please ) : Delete the following inaccurate addresses : see attachment There should only be XXXX address listed on my report, which is above of this letter.
Product: Credit card

Received offer to earn additional XXXX % Rewards Bonus for Being a Valued Cardmember ( footnote ) through XXXX XXXX, 2016, on my cardmember page at amazon.com. 
XXXX % Rewards Bonus : You will earn a XXXX % Monthly Bonus on all new points earned with your Amazon.com Rewards Visa card through XXXX XXXX, 2016. Your bonus points are calculated each billing cycle based on the total points earned during that billing cycle. Points earned in a monthly billing cycle are generally available to be used at the beginning of the next billing cycle ; bonus points earned on Net Purchases, made near the end of a billing cycle may take up to one additional billing cycle to become available. You 'll see points you 've earned on chase.com and on your monthly card billing statement. See Rewards Program Rules and Regulations for details on qualifying purchases. Bonus points are subject to the Rewards Program Rules and Regulations. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Bonus offer void where prohibited by law. All the Amazon.com Rewards terms and conditions apply. 

When I enquired about why I was n't receiving the bonus rewards, I was referred back and forth between Amazon customer service and Chase customer service, until an employee denied my request. I was denied for various reason. One was that I did n't receive an email invitation, although that requirement is not mentioned anywhere on my Amazon cardmember page. Another reason given was that my inquiry as to why I was n't receiving the bonus was late : in that the enrollment period had expired. There is no reference to an enrollment period in my offer and I had thought that I was enrolled. I had promptly clicked the invitation on my Amazon cardmember page and assumed that I was enrolled. 

I continued to appeal. A Chase employee did offer to credit my account for a few months and advised me to contact her if I wanted to receive the bonus until the program end. I tried to contact the representative by phone on a few occasions. I was unable to navigate the phone menu to her extension because it was n't recognized and because she was not listed in the employees phone directory. I had also attempted to contact her by email. An other employee responded and agreed to honor the approximately three months of bonus points accumulated but refused to honor further enrollment in the program. Additionally, my points may have been adversely affected the month following the bonus addition. 

I had initiated the inquiry around XX/XX/XXXX. I had enrolled in the program a few months earlier. I did n't keep records, because I did n't realize that there would be a problem.
Product: Credit reporting

experian reports XXXX enhanced recovery co, on my credit report.it is my only negative. 
experian and their furnisher refuse to report accurate and complete information.i believe this is the XXXX of multiple cfpb and experian investigations on this account within 2 months. 
todays report pulled on a 3rd party experian product displays in bold print the following untrue damaging information. " legally paid in full for less than the full balance '' the original amount is XXXX, I paid XXXX on XXXX/XXXX/16. I demand that the report reflect this recent payment/amount pd of XXXX AND THE ORIGINAL AMT OF XXXX. 
CREDITOR LETTERS ATTACHED THAT ADMIT THE ABOVE.you have been allowed much more than 30 days to report accurately according to FCRA ... THE ERRORS IN THIS INVESTIGATION AND THE PRIORS SEEM INTENTIONAL WHICH LEAD TO A MUCH MORE SERIOUS FCRA VIOLATION/PENALTY.
Product: Money transfer, virtual currency, or money service

XXXX weeks ago my sister woke me up at XXXX am furious saying her Klarna account was on hold because of me. I said how we dont have the same phone or number and how would you even know my account is on temporary hold. 


She said are you having money issues I said with Klarna NO. She shows me her phone I said XXXX Klarna held my account because I went from being paid weekly and had to wait XXXX weeks for my new check since now that Im salaried I get paid XXXX and I have a XXXX XXXX.. 
They couldnt change the dates for everything so they did what they call a hardship but our account dont have anything to do with XXXX another Klarna XXXX they would provide detailed information on what happened and instead I got rude reps and they have NO XXXX XXXX XXXX what so ever. 

Today I got another rude rep who told me just close my account or ask her to close here and I said why XXXX made the error Yall fix it why are the accounts linked he said because XXXX have similar socials I said I dont give Klarna my social and we are XXXX but we dont have the same social at all nor do we have the same phone or name or email why did they release my info to her we dont pay bills and taxes together I begged for a XXXX and they dont have XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. on Transunion its reporting a late payment of 30 days on XX/XX/XXXX and on XXXX it is reporting a late payment of 60 days on XX/XX/XXXX. On transunion its reporting a 30 day late payment on XX/XX/XXXX and on transunion a 60 day late payment, a 30 day late on XX/XX/XXXX on transunion and a 60 day late payment on XX/XX/XXXX. Transunion is reporting a 30 day late payment on XX/XX/XXXX and a 60 day late payment on XX/XX/XXXX, and a 60 day late payment on XX/XX/XXXX 90 day late payment on XX/XX/XXXX, a 120 day late on months XXXX, XX/XX/XXXX. on XXXX its reporting a late payment of 60 days on XX/XX/XXXX and on XXXX it is reporting a late payment of 60 days on XX/XX/XXXX. On XXXX its reporting a 60 day late payment on XX/XX/XXXX and on transunion a 60 day late payment, a 60 day late on XX/XX/XXXX on transunion and a 60 day late payment on XX/XX/XXXX. XXXX is reporting a 60 day late payment on XX/XX/XXXX and a 90 day late payment on XX/XX/XXXX, and a 90 day late payment on XX/XX/XXXX 120 day late payment on XX/XX/XXXX, a 120 day late on XXXX, XX/XX/XXXX. on XX/XX/XXXX there is no late payment reported on the XXXX credit report. on the Transunion credit report its reporting on time for the month of XXXX with no late but on XXXX its reporting as a 30 day late. on transunion its reporting XX/XX/XXXX as a 30 day late, and a 60 day late on XX/XX/XXXX, and a 60 day late on XX/XX/XXXX yet on equifax its reporting XX/XX/XXXX as a 60 day late and XX/XX/XXXX as a 120 day late, and XX/XX/XXXX as a 120 day late. This late payment is recorded from credit report pulled on XX/XX/XXXX transunion and XXXX. ( see attached credit reports to this complaint ) XXXX XXXX Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX these statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Vehicle loan or lease

I had a loan for a XXXX XXXX with american credit acceptance, the car was stolen and totaled in a wreck in XX/XX/XXXX my insurance XXXX XXXX XXXX paid off the loan and sent american credit acceptance over {$8700.00} to pay off the loan.. that was 3 months ago and american credit acceptance wrote on my credit score that it was affected by natural disasters which it wasn't.. i paid off my loan through my insurance and it should be in good standing.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sales person ask me for mi ssn and i did not tell him. I asked many times to dont do a hard inquiry. He says the they wont do. Will be only to check if I have some account with them ( lies ), i provide my drive license number. And immediately I received an alert that they run my credit with equifax. I dont recognize that inquiry because i tell him many times dont do it. His name is XXXX XXXX operator number XXXX from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX  yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXXXXXX XXXX / XXXX, XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX  / XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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: Debt collection

These XXXX companies have been calling my home phone number constantly trying to collect debt for other people. Usually its a member of our family but now they 've started calling trying to collect debt from the person we recently bought our house from. She NEVER had this phone number. 

XXXX XXXX XXXX XXXX XXXX Receivables Perf XXXX XXXX XXXX Neither myself or my husband have any debt collection issues. These people harass us constantly for debt that does not belong to us.
Product: Debt collection

HIPAA VIOLATION / CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am contacting you in hopes that you can help me get this fraudulent credit card account XXXX opened in XXXX  from my credit report. I am not sure how someone got all my information other than being in several breaches. I have been trying to fix this and it is still listed on my credit report. Please assist me with removing this account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate names, and addresses. 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. NAMES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . ADDRESSES : XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX TX XXXX, are all inaccurate. Also, according to 15 USC 1681s-2, 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my husband and I purchased a vehicle at XXXX XXXX XXXX. We owned the vehicle less than 24 hours. The vehicle was returned for service issues on XX/XX/XXXX and I was given a loaner vehicle. On Friday, XX/XX/XXXX the loaner vehicle was returned to XXXX XXXX XXXX and I went home with my original XXXX due to negligence on the dealer 's part. I did not take home the XXXX XXXX - however, I received a statement dated XX/XX/XXXX about the XXXX. I contacted XXXX fiancing to see why this account was still open. I am reporting this account as fraudulent as I do not own this vehicle. It was returned XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian has been in reporting inaccurately on my credit report. 
Account name : XXXX XXXX Date : XXXX XXXX Account type : revolving account Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ny XXXX XXXX Reason : in accurate information reported, statement dates, payment dates Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, va XXXX XXXX REASON : inaccurate XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notarized Affidavit of Truth was sent via postal mail along with certified receipt to AFNI INC along with Exhibits stating violations per USC 1692d ( 1 ). AFNI INC is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or 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. Please Remove the following items from my credit report, immediately : XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX, XXXX and XXXX XXXXXXXX XXXX and XXXX have fraudulent accounts on my profile that need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didnt authorize. Accounts XXXX XXXX XXXX XXXX XXXX XXXX. Also In accordance with the Fair Credit Reporting act XXXX Account ( XXXXEquifax ) 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: Money transfer, virtual currency, or money service

On XX/XX/2022, my wife was called by a person purporting to be a police officer notifying her that a warrant had been issued for her arrest for failing to appear for Jury Duty. 

She was required to send XXXX payments to clear the matter. 

She did so in the amount {$3000.00} ( 2 transactions of {$1500.00} each ). Within minutes of the transactions, I contacted the local sheriff who confirmed it was a scam. 

We immediately contacted Wells Fargo Bank ( within 10 minutes of the transactions ) and they claimed they could do nothing about it.
Product: Credit card or prepaid card

On XX/XX/22 I saw an offer on my account to activate " pay over time '' feature in order to receive XXXX American Express membership points. I took a screenshot of the offer and I activated the feature. To this day I still have not received the points, American Express denies this offer being on my account. I submitted the screenshot proof and they continue to deny it.
Product: Student loan

I have submitted several complaints to both Mohela, my student loan servicer. I have several requests both in writing and by phone requesting assistance with Public Loan Service Forgiveness as well as with the Department of Education and Federal Student Aid. 

None of the above have provided any assistance with this. I have submitted several forms confirming I meet the criteria for PSLF.

I work full time as a Nurse Practitioner for a non profit, health care organization.

Neither DoED nor FSA nor Mohela has provided any assistance. I have made several complaints and asked for review of my submitted forms for loan forgiveness under PSLF as I met criteria in XXXX. I am up to date on all my student loan payments and now in overpayment!!! They will not acknowledge this, have not provided any assistance and have " completed multiple PSLF '' forgiveness loan requests even though they have not updated my payment counts! I want assistance to get my money back and loans forgiven for loans meeting forgiveness as they are all unsubsidized loans and I have not missed any payments.