23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Aafes is illegally garnishing my XXXX XXXXt. Payments was never established when a account was closed XXXX. Bankruptcy was filed by me in XXXX. Aafes failed to validate unsecured debt thru the courts with in alloted time. Court order judgment for me to pay secured debt in the amount of XXXX. Bankruptcy dismissed in XXXX, aafes failed to have the court order revoked and get a new judgment for me to pay full amount for secured and unsecured debt. Aafes started garnishments of my military retired pay XXXX and reports monthly to credit bureaus that I'm behind on payments that was never established. Aafes is illegally garnishing XXXX XXXX pay through dfas and continue to report wrong information to the credit bureaus even though I have submitted the court order, that of account closure and statue of limitation to sue for debt, therefore I believe they are using ilegal tactic to get a debt that is not accurate based on court order and they failure to show up to court to validate debt in a timely manner.
Product: Student loan

Mohela has horrible customer service. Wait time is ridiculous 45 minutes to 1hr. Placed on hold multiple times after speaking to a representative. If you ask to speak to a Supervisor I was told that I would be on hold for hours. Also, I'm being told different information when I call about my PSLF payment that have not been updated. This is the worst company to service student loan accounts. I will be looking to transfer my loans to a different servicer.
Product: Credit reporting or other personal consumer reports

CREDIT BUREAUS XXXX, TRANSUNION, XXXX XXXX, XXXX AR violating my consumer rights under FCRA law. I am a victim of identity theft and fraud, and have filed numerous disputes, as well as sent them a report from a Law Enforcement Agency ( FTC Identity Theft Report ). There is a fraudulent XXXX installment loan that does not belong to me, is completely unauthorized by me. They received a certified letter from me on the XXXX of XX/XX/year>, attached to this complaint, stating my rights under FCRA law and my right to exercise them ; to which they have ignored and stalled and blatantly refused to comply with.
Product: Credit reporting

As per my Equifax confirmation number Confirmation # : XXXX, I had XXXX negative account. XXXX inquiries and no public records. Today I look at my report and there are XXXX negative items, XXXX inquiries and XXXX public record. This information was previously no present on my report. 
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the XXXX accounts listed were not included in my bankruptcy. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the bankruptcy from my file as well as the instant inquiries and negative items which are reported inaccurately. 
I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a concerning issue I have been facing with XXXXXXXX XXXX XXXX credit reporting practices. I believe they have inaccurately reported my payment history, resulting in significant damage to my credit profile. 

Over the past few months, XXXXXXXX XXXX has been reporting my payments as late or not received, even though I have consistently made on-time payments. This erroneous reporting has led them to indicate non-payment for periods of 30 to 60 days, which is not reflective of my actual payment behavior. 

Due to XXXX XXXX XXXX incorrect reporting, my credit score has suffered immensely. As a direct consequence of their actions, another credit card servicer has significantly reduced my credit limit. This negative information has caused my credit score to drop by a staggering XXXX points, severely impacting my financial opportunities and peace of mind. 

I have taken the initiative to review my credit report from all major credit bureaus and have identified these inaccuracies specifically attributed to XXXXXXXX XXXX. I have evidence of my consistent, timely payments, including bank statements and payment receipts, which I am willing to provide as proof of my responsible credit behavior. 

I have attempted to contact XXXXXXXX XXXX on multiple occasions to rectify this situation, but regrettably, their responses have been unhelpful, leaving me frustrated and concerned about the potential long-term consequences of these inaccuracies. 

I am reaching out to the Consumer Financial Protection Bureau with the hope that you can assist me in addressing this matter promptly and effectively. I kindly request your intervention to investigate the inaccuracies reported by XXXXXXXX XXXX and ensure they comply with the Fair Credit Reporting Act ( FCRA ) and all other relevant consumer protection laws. 

XXXX is flagrantly disregarding fair practices.
Product: Debt collection

XXXX XXXX of XXXX Oklahoma has verified XXXX information with out a hippa consent letter with my signature on it with out any information owning the debt
Product: Checking or savings account

On XX/XX/2022 a representative from XXXX ( XXXX XXXX XXXX ) called and we discussed moving forward with having a trademark application filed on my behalf. I changed my mind at the end of the call, because something felt off, and Informed them of this verbally AND then in writing via email, but they proceeded to charge my debit card anyway ( which they had on file ). I asked them to refund it and was ignored. I've been ignored since they took the money. No paperwork has ever been given to me, nothing has ever been filed with the XXXX, I have no written contract, no trademark paperwork done, and did not agree to the money being taken. 

The address they use apparently doesn't actually exist. They have since changed the business name on XXXX maps to something else unrelated. 

Chime bank has denied my chargeback case 6 times despite having a police report, verification from XXXX that an application was never filed on my behalf, copies of our communication. Chime refuses to give me copies of whatever this company gave them. I had {$1000.00} taken and I was given nothing in return. Chime has not provided any of the supporting documents for over a month despite saying it would be within 10 days. I've asked repeatedly. They will not tell me why it's denied.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX Balance : {$5200.00} XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I have been banking with Chime since XXXX. Just this past Thursday ( XX/XX/XXXX ) someone with the chime account $ XXXX scammed me out of {$200.00}. She was acting like she was my children 's grandmother. She asked for money for her bills and I sent it to her, thinking that was my children 's grandmother. After speaking with my children 's father he said that wasn't his mom asking for money her FB XXXX was hacked. This scammer reached out to me on fb messenger from my children 's grandmother account. This scammer even video called me with my children 's grandmother picture on the screen that's why I didn't really think nothing of it. I filed a police report because I will be pressing criminal charges and I uploaded my police report along with the conversation between me and this scammer. My dispute was denied because they said I sent the money and there is nothing they can do. I have XXXX children the youngest is an infant. That {$200.00} was my last. Every representative I talked to was listening to respond instead of listening to understand. I was also told there is nothing Chime can do if you get scammed. That is unacceptable especially if I have proof that I got scammed. And what happens to this scammer? She gets to keep her account and my money and anybody else 's money she may have scammed people out of? I really need my money and help support can not help me. If you could resolve this issue in any way I would greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries fraud i did not authorize them i call the company they said they can't help me both companys transunion and XXXX i want all this hard fraud inquiries deleted or i will take TransUnion and XXXX to court and post it all over social media and call the new channel i really mean it am hurt and i need it remove asap transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time in as many weeks that I can NOT get access to my credit report, I haven't done anything wrong but to try to access my credit report - FILE NUMBER - XXXX, I need access to my credit report so I can continue to monitor it!!
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report inaccurate information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX even with all my repeated attempts to get my information updated so it can be correct the credit bureaus have not updated the information.
Product: Debt collection

This collection agency continue to threaten me with wage garnishment about a debt I know nothing about. In the past I went to the court to get information about this debt. It was to a fitness club I never attended.. All court information was sent to an address where I did not lived at.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

FRAUDULENT ACCOUNTS : 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, XXXX XXXX who is a consumer sent certified letters to the XXXX, Equifax, and XXXX well over 30 days ago. Equifax has received and signed for the letter on XX/XX/22, XXXX received and signed for the letter on XX/XX/22 and XXXX received and signed for the letter on XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an item on my Equifax Report & they have failed to investigate correctly. XXXX & XXXX investigated and removed. I have also complained to the collection company. The debt is not mine. Equifax and XXXX accounts have both failed to provide proof of debt. I am furious!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was informed that my employer provides payroll data to Equifax ( XXXX. The Work Number ) for the purpose of employment verification. I checked the most recent credit report I have from Equifax and did not see any such data in the report. I called Equifax and spoke to a supervisor in their dispute department who stated that the only information they have about me is what is in my credit report, and therefore the credit report comprised the entirety of the information in my file. I believe that they do have employment data about me, that said information is included in the definition of " file '' under the XXXX and that the credit report request process is their only public mechanism for requesting a copy of my " file '' under the XXXX
Product: Checking or savings account

Although I have asked your bank to stop payment, it appears that they did not. The first unauthorized transaction XX/XX/2023, by check number XXXX, and the amount is for {$1800.00}, we did not authorize this transaction and the transaction was done by a check ( which we NEVER use ), which we can not review as other banks allow, this check, who wrote it and what was this check for. 
The second unauthorized transaction was done on XX/XX/2023, for the amount of {$7500.00}, which we have absolutely no knowledge of. 
Why are we just now noticing these unauthorized transactions is because we no longer live in Virginia and have moved to West Virginia on XX/XX/2023. In the meantime, I have asked your bank for bank statements which they chose not to provide until I reached out to customer service and discussed the issue with someone there and eventually received the statements and this is where I discovered the the unauthorized transactions. Please help us as we are senior citizens that just can't afford this loss of revenue. Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, My name is XXXX XXXX and I'm the XXXX XXXX XXXX XXXX XXXX XXXX named XXXX XXXX XXXX XXXX. I have been working on repairing my credit for two years now, but still unable to receive loans due to faulty reporting from XXXX, XXXX XXXX and Experain. The agency are constantly reporting outdated information about my accounts and reacting to every negative change with large points deduction, but not the same for positive changes. Just last month my score dropped about XXXX points because of my fault. I need to use my credit cards to keep my business going. By the end of the month I paid all of my bills down to about 10 % usage but because of that I was dropped again XXXX points from Experain. My credit score last month was was at XXXX  but still unable to receive loans due to faulty reporting. As of today I have lost {$14000.00} in my business due to rental fees for a reliable vehicle. My previous truck transmission failed, so applied for a vehicle loan but my credit wasn't good enough. So I was forced to rent a XXXX from XXXX truck rental last XXXX at a rate of {$650.00} per week. As my credit score gone up I tried many different times to get a new or used vehicle to release me from the rental, because of old negative remarks on my credit and now new inquiries, I was unable to successfully secure a loan. This faulty reporting is causing me XXXX of dollars that I need for my small business. It's not just stopping me from getting vehicle loans but also business loans because my business is three years old so my credit used for the loan. 
Please let me know what I need to give you to prove my case, I have proof of everything. This is got ta stop and really exhausting and unfair treatment. I really feel like I'm being discriminate against because I talk to a lot of people about my situation and I have XXXX XXXX but still no change. 

Thank you XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX XXXX, during a review of my PayPal account information, I identified multiple transactions I did not make, nor did I receive any product ( s ) or service ( s ) relating to any of these transactions. I immediately disputed these charges by submitting an online dispute. In my XXXX attempt, I chose to identify these transactions as fraudulent. On XXXX I contacted Customer Service. To my surprise, I was told by the agent that my account address had recently been changed, my email address was changed, and my phone number had been changed as well. As I did not initiate any of these changes, I requested and was advised my account would be blocked/ restricted. This is Identity Theft! Regarding my first Case # XXXX dispute, when PayPal closed the dispute, they determined that certain transactions werent unauthorized and hence couldnt be covered by XXXX XXXX XXXX. I contacted and was advised by Customer Service I would be better served if I changed the reason for the dispute ( XXXX ) to I did not receive any product or service ( XXXX ). ( True statement. ) The XXXX system would not allow me to include the rejected transactions in my Case Dispute # XXXX, so I decided to dispute these in a different manner. Dispute # XXXX then consisted of XXXX items. from XXXX XXXX. Upon completion of the investigation, the dispute was found in my favor, thus the funds were refunded. The other transactions being those deemed to be ineligible by PayPal. In a dispute letter I submitted to PayPal / SYNCB on XX/XX/XXXX, I rejected their " ineligible '' premise and utilized my rights under the Fair Credit Reporting Act sec 609 ( e ) to help me better understand the details surrounding these questionable changes/ transactions. I requested all transaction records as I hope this new information would help determine the identity of the person or persons that actually DID make the transactions and was, in fact, the benefactor of those products/ services. I have continued to make monthly payments for the charges I actually made and accept full responsibility for those. That ends today as I have paid off them off. The balance remaining for the unauthorized purchases remains at {$830.00}, which has officially been disputed. To date, XX/XX/XXXX, I have not received any correspondence or notice from XXXX XXXX XXXX! Consequently, I have submitted a XXXX letter for a status update. I am also submitting this information to your group.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and 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. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Im submitting this requsest in regards to my initial dispute to the credit bureaus ( XXXX, Equifax and XXXX ). I submitted a request for validation for account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not recevie a response back from neither credit bureau, after reading over my consumer laws I've determined that this is a FCRA violation and and Im requesting for immediate deletion of both accounts becuase its past 30 days and the bureaus have not responsed and also the following information was not provided. 

I requested each bureau to provide me with the following : What the money XXXX XXXX XXXX XXXX XXXX XXXX  say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service. 

Also, its has been 60+ days and no comment and/or remark have been made to my Equifax report under XXXX XXXX XXXX  to acknowledge my dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. This is yet another violation and grounds for immediate deletion.
Product: Debt collection

Second Round Sub LLC contacted me in XX/XX/XXXX about a debt. On XX/XX/XXXX, within the 30 days I had to request validation of said debt, I sent a validation letter. I had received nothing in return until XX/XX/XXXX when I received notice of being sued by the company 's attorney. According to FDCPA they are in violation by trying to collect on a debt they never validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX