23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I have been a victim of a data breach, which compromised my personal information, and the entries detailed herein are fraudulent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information blocked from my credit file. 
Fraudulent Accounts : 1. DEPT OF EDUCATION/XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} 3. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 4. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 5. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 6. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 7. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 8. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 9. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 10. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 11. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 12. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 13. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 14. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 15. DEPT OF EDUCATION/NELN - XXXX - XX/XX/XXXX - {$00.00} 16. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This is the second complaint I am issuing for the same company for the same reason ( Previous Complaint ID XXXX - attached ). The response submitted indicated the following : " We have also moved Ms. XXXX XXXX XXXX account to our safe queue and added her phone number to our Do Not Call list, and she has been opted out of further email communications. '' I still receive collection calls from WestSide Lending. Today, XX/XX/2021, I answered and reminded the company I sent a cease and desist letter. The representative claimed they never received the letter and accused me of lying. I confirmed the email address I used was correct and resent the letter via email this morning ( backup attached ).
Product: Checking or savings account

I setup a subscription with a company for car rentals that you pick up on demand. The first day that I setup the subscription with the merchant they began making fraudulent transactions not only on my Chime XXXX but on another debit card of mines as well since I had to place two cards on file in order to begin processing the application. I sent those documents to Chime for part of their investigation, I don't believe the Chime investigators really looked into anything because I submitted a complaint on approximately XX/XX/year> and the very next day XX/XX/year> Chime stated no error was found in their investigation with the merchant.
Product: Prepaid card

I attempted to use the prepaid " Active '' {$100.00} filled gift card online at XXXX for a purchase and was declined. I attempted to purchase an XXXX gift card next, instead of a 3rd party and was also declined. I was given a gift card that cost {$100.00} real XXXX  currency, but am unable to spend it as legitimate currency.
Product: Debt collection

Midland Funding is incorrectly reporting a collection account on all XXXX of my credit reports as an " Factoring account. I have never entered into any agreement with Midland Funding or any of its associates. They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score. Because of the way they are incorrectly reporting this account, it appears to any other creditors that I have recently become late on a account and or loan when, in fact, I have not been late on or missed any payments with any creditors in nearly six years. This has caused me to be denied credit when I should have otherwise been approved. 

I sent a direct dispute to Midland Funding on multiple occasions specifying that they were incorrectly reporting a collection account as past due and requesting that they correct the information. They replied on stating that they were " unable to determine the nature of my dispute, and consequently deny that their records are inaccurate. '' I was very clear in my letter to Midland, I was very specific in my direct dispute, citing every error that was being reported. Midland 's response makes me believe that they did not even bother reading my letter or following up on any of my claims. 

Specifically, Midland may not list this account as a factoring account, as they are not a creditor and I have never entered into any agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past Due '' as Midland is not a creditor and I do not have any installment agreement with Midland. 

Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

1

5 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and i have old addresses that are NON-MAILABLE reporting on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. 

I am not associated with the following addresses and need them permanently deleted from my credit profiles for they are NON MAILABLE please delete this CURRENT address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX AL XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX AL XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX AL XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX  XXXX XXXX XXXX XXXX AL XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXXXXXX AL XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX AL XXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX AL XXXX.
Product: Debt collection

The CBE Group at XXXX XXXX XXXX XXXX calls me repeatedly during the day and if there is a representative on the line, they say nothing. There is no response to multiple repetitions of " Hello? '' and " Is anyone there? '' After multiple days with multiple calls like this, I called back and spoke with a representative today and requested that they stop calling me and saying nothing and stop calling me during work hours. Not four hours later, I got YET ANOTHER call from them. This is n't even a legitimate debt, but that 's a separate bone to pick - they need to stop harassing me.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$9500.00} / XX/XX/2022 XXXX XXXX XXXX / {$210.00} / XX/XX/2022 XXXX XXXX  / {$750.00} / XX/XX/2022 XXXX XXXX XXXX/ {$240.00} / XX/XX/2022 XXXX  XXXX  XXXX / {$260.00} / XX/XX/2022 XXXX XXXX XXXX XXXX  / {$84.00} / XX/XX/2022 XXXX  / {$460.00} / XX/XX/2022
Product: Credit reporting or other personal consumer reports

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I a victim of a form of XXXXXXXX XXXX XXXX under 22 U.S.C. {$7100.00} ( XXXX ) or XXXX  under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142. My credit report was affected by debt XXXX.
Product: Credit reporting or other personal consumer reports

This account is not mine. I filled out the identity theft report. XXXX just trying to get it removed off. My credit is still hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I seen there was an account that I already paid in full and its still reporting and needs to be deleted, This is the account : CREDIT MANAGEMENT LP # XXXX
Product: Credit reporting

I never opened any credit card with XXXX on XXXX XXXX and did n't know it 's been charge-off in XXXX until I received a credit report today.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX of Rauch-Milliken International , Inc. alleges there is a debt of {$1300.00} owed. This alleged debt is unknown and disputed. An attorney letter of representation, along with a request for 1 ) A copy of the original written agreement between the parties, 2 ) A copy of the assignment of the alleged debt to Rauch-Milliken International , Inc., and 3 ) Copies of all correspondence in relation to this alleged debt, was provided to Mr. XXXX on XX/XX/19. No response has been provided. Rather, Rauch-Milliken International , Inc. has disregarded the attorney letter of representation and continues to harass, threaten, and hang up on the alleged debtor via telephone calls ( two calls at XXXX XXXX and XXXX XXXX EST on XX/XX/19 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I forwarded verification letters to the three credit bureaus. My documents included the verification letter, copies of my drivers license, my social security card and my XXXX gas bill. 
Since these are delicate documents, I had them notarized and sent them certified via US Mail. I received the green tracking receipt from XXXX and XXXX  in the mail by the XXXX and the XXXX of XXXX, respectively. I received a letter days later from Equifax stating that they needed verification of my identity. As stated above, I sent these items initially. In addition, I never received the green tracking receipt from Equifax. Who knows where my personal information is now. I need to know what happened to my personal documents. Also, I expect them to follow the legal guidelines regarding a timely response to my verification inquiry. I think this matter has been handled in a highly careless and irresponsible way. Very unprofessional.
Product: Student loan

1. The wait times to reach a person in customer service at MOHELA are at a minimal 90 minutes. This is absolutely not acceptable. We do not have time to be on hold 1-2 hours before even speaking to a person. 

2. When we do finally get to speak to an actual human, they often demonstrate profound incompetence ; do not have any useful or insightful information and then always block the customer from speaking to anyone who might be more knowledgeable like a supervisor or a more experienced customer service agent 3. The resolutions department is solely responsible for resolving disputes. I just got off the phone w one after waiting 2 hours and all she did was read to me what my public account says which I can see for myself! She did not look into the problem, inquire how she could solve it ; she fundamentally did not understand or care about what the problem was or how to solve it. How is this person working in the resolutions department? Where is the accountability? 

4. MOHELA has demonstrated consistently that they are not capable of running the company to meet the needs of its customers, and they need to be held accountable. Customers have rights and we should not be blocked from getting the answers we deserve simply because of their employees complete and utter incompetence and indifference.

XXXX. I had to contact the White House before they even responded to my prior complaints and now I am going to have to do it again. All begging the question whether they should be allowed to stay in business and involved with student loans.
Product: Debt collection

I receive a collection on my credit report stating I owe a balance to XXXX. Im currently with XXXX for i utilities and they mention to me I have no outstanding balance with them, I have no known knowledge of anything else
Product: Credit reporting or other personal consumer reports

increct information on my credit report XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

LVNV Funding LLC filed a lawsuit against me in XX/XX/XXXX- I was never properly served although they filed a proof of service. XX/XX/XXXX - They went to the Apartment Manager and asked for my info claiming they were trying to deliver a paycheck - Apartment Manager will sign affidavit. I was not home. But when I got home, my neighbor gave the paperwork to me that they gave to my neighbor claiming it was a paycheck. I opened the envelope that had my name and address written on it, and it was summons and complaint claiming I owed monies to a credit card company they were representing. I have never received any notifications or anything in the mail verifying they now are collecting on behalf of credit card company XXXX - which I closed and paid off account back in XXXX with XXXX XXXX  which there was also a complaint I filed with this agency about them fraudantely claiming I owe, their collection practices, etc. The XXXX XXXX XXXX XXXX accepted my Answer to Summons/Complaint then rejected saying documents upside down then accepted it again. Never heard back from the Court or LVNV Funding. Last month- my Employer received documents with my social security on it and a wage garnishment without a copy of the Judge 's order for wage assignment. My employer, against me clearly telling them in writing to not disclose or verify anything because the paperwork had a XXXX address - that this may be fraud - My Employer ( XXXX XXXX ) verified with a representative of LVNV Funding LLC confirming I am employed with them. I contacted the XXXX XXXX XXXX - spoke to a Supervisor after calling for over two weeks since XXXX XXXX the clerk office and getting no response, finally XXXX XXXX on XX/XX/XXXX explained to me that LVNV Funding LLC filed proof of service back in XX/XX/XXXX or so claiming personal service at my address in XXXX. Then In XX/XX/XXXX or so filed certificate of mailing of the Notice Of Default to address in XXXX which they already had my address in XXXX - why say mail to XXXX. I filed XXXX XXXX XXXX to stop wage garnishment because sadly my Employer ( XXXX XXXX ) has already disclosed so much info to this LVNV Funding LLC and LVNV Funding LLC threaten my Employer if they would not garnish my wages claiming a Court order even thou there was no Court order provided. This company LVNV Funding LLC has violated several FDCPA collection practices as well as fraud and misrepresentation with the Court and filed fraudantly documents with the Court as well.
Product: Checking or savings account

To whom it concern, In XX/XX/2022, I applied for A Navy Federal Credit Union membership. In response to opening a new membership, I was approved for both personal and business checking accounts. Although its proven I was a victim of identity theft. In XX/XX/2022 I was notified by XXXX, XXXX, and XXXX that my personal information has been found and used multiple times on the darkweb/scam websites. In which caused for multiple banking accounts, and other accounts to get hacked. Navy federal is refusing to investigate, the unexplained/unauthorized transactions. Both accounts personal and business is constantly being hacked. After my own thrall investigation. I mentioned to Navy Federal Credit Union that their were multiple unauthorized devices attached to my accounts. Although my debit cards are saved to my phone, and multiple online platforms, Such representatives are acting as if its my fault for the reoccurrence. By Navy Federal not providing any provisional credit for the unauthorized charges, both accounts remains negative.
Product: Credit card or prepaid card

an account was opened in my name XX/XX/2021 at barclays bank delaware and a {$99.00} purchace was on XX/XX/2021 I DID NOT OPEN THIS ACCOUNT Barclays bank delaware XXXX XXXX  XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX
Product: Mortgage

This complaint is about : XXXX XXXX Loan Officer XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, VA XXXX T : XXXX | NMLS # XXXX My friend and I have been looking for a mortgage lender to finance our next property. We came in contact with Mr. XXXX XXXX, who's a loan officer. Mr. XXXX asked us for our financial documentation unlike other mortgage lenders who would simply ask for SSN,  name, and DOB to pull credit information. He demanded that we must provide him with our 2 years of tax returns, W2s, and latest pay stubs in order for him to pull our credit and qualify us for a mortgage. 

However, after we followed up with Mr. XXXX for the mortgage estimates, his demands gotten more absurd. He now wants us to sign a commitment letter before he shows us the figures he is offering. The commitment letter states, that after signing if we happen to find a lower interest rate and decided not to pursue the financing with Mr. XXXX, we will need to pay him {$1000.00} in fees. 

We have spoken to Mr. XXXX several times but he never mentioned this was supposed to be their company policy. Even when he was pushing us to send him all of our financial and PII information he did not mention that we had to sign a commitment. 

Mr. XXXX has wasted a lot of our time and in the end, he didn't even give us the numbers he promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested TransUnion to remove unauthorized request off my credit report for months now. I am a victim of identity theft. I did not make these inquires or authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported that I paid my car loan late in XX/XX/2018 which is inaccurate. XXXX XXXX XXXX offered its customers Disaster relief for the Hurricane and I was granted relief. I made my payment on the date they informed me to start paying my loan again and they incorrectly reported me for late payment to the 3 credit bureaus. I want this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit consumer report withholds inaccurate information communicated from Experian, XXXX and XXXX. I did not consent to any of these inaccuracies and have filed a complaint of the violation. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

These inaccuracies are a violation of my consumer rights to privacy, and a violation of each reporting agencies unfair reporting of inquiries that I did not consent to.
Product: Credit card or prepaid card

Target red card was notified of fraud on my account on XX/XX/XXXX, I told them that all of the charges for XXXX were in fact fraudulent. They mailed me out paperwork which I quickly turned around and mailed back in on XX/XX/XXXX. Even though I sent in the fraud paperwork showing that the entire balance is in fact fraud, they still charged me a finance charge on XX/XX/XXXX. I am worried they are going to attempt to charge me more finance charges. I have officially suspended payment on this account as of today XX/XX/XXXX, payment is due XX/XX/XXXX. They have not sent me any notice that they have received my paperwork even though the 30 day deadline is quickly approaching. I have tried calling Target Card Services and they keep bouncing me around from person to person without any resolution in sight.