23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Pioneer Credit Recovery is fraudulently claiming to be collecting on a debt for the XXXX. They call me weekly and demand payment. The XXXX terminated their relationship with Pioneer Credit Recovery in XXXX of 2015. Payment for my XXXX loans is being made through IRS tax garnishment. It is my belief that Pioneer Credit Recovery is committing wire fraud since they have no professional relationship with the XXXX and therefore can not collect debts on their behalf. I want other debtors to be wary of making any payments to this company.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021 I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and through an intermediary named XXXX in the total amount of 9,000 USD utilizing OneWest Bank, services
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts 'XXXX XXXX XXXX XXXX ' and XXXX XXXX XXXX XXXX that are listed on Experian that should not be. According to my records with XXXX AND XXXX, those two accounts have aged and have been deleted of my account. I 've spoken with Experian multiple times and they are unable to give me an exact date of when these two accounts should be deleted. With my previous negative accounts, the date of deletion were listed next to the accounts but they are not listed next to these accounts. I 've asked that if in fact these accounts have not aged, that they give me an exact date listed next to the accounts and til this day, it is not. Every time I call and ask when they should be deleted, I 'm getting different days and that is not fair to me. I want Experian to delete these accounts as they are aged and they can not accurately verify the date of deletion. Experian needs to follow suit with XXXX and XXXX
Product: Credit card

i was an american express card holder in good standing, had pay over time feature, in XXXX i charged a large bill, soon after theycancelled my charge over time feature, without notice and started charging me late fees. despite all my efforts to talk to them about, this unfair action they went ahead and cancelled my account witch had a lot of reward points, by saying my credit was bad,, which was not true as i had been with them for XXXX years, and had charged and paid almost XXXX dollars in 2015. all my efforts to reinstate my account have failed, i had told american express, that i had no problem in paying interest on account and will pay off my balance with in 2-3 months. This has been very unfair, All i want was to re-instate my account, charge me interest and i will payoff the balance, but they have refused to reinstate my account, confiscating lot of reward points that i had accumulated, over time, please HELP
Product: Student loan

I received a notification on XX/XX/23 dated XX/XX/23 from MOHELA stating that my student loans were placed in administrative forbearance from XX/XX/23 through XX/XX/23. I did not request this forbearance and was not provided any additional information as to why or how this forbearance would affect my loan repayment. I requested that this forbearance be removed from my account such that my loans re-enter repayment status as I intended and that my payments continue to count towards XXXX. MOHELA has not responded to my message nor have they removed this forbearance. Communication from MOHELA has been extremely poor, with the rare communication that has occurred being delayed by several weeks, outdated information, or complete lack of information. MOHELAs decisions and errors directly affect my loan repayment as well as XXXX eligibility, and have been highly frustrating.
Product: Checking or savings account

When the XXXX XXXX switched over to the new system I lost a good amount of money when i was able to get access to my account my balance was way off and i couldn't get a hold of a customer service rep because of the chaos, I had to change my checking account information because of the switch over to the new system..
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. Can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. I have contacted the FTC and the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and I noticed some unauthorized items they should not be in my report. These have been rough times sheeting the covid 19 crisis
Product: Credit reporting or other personal consumer reports

XXXX. XXXXXX/XX/XXXX XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XX/XX/XXXXXXXX XXXX, XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXXXX/XX/XXXXXX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX, XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I attempted to create an account with " Credit Karma '', ( creditkarma.com ), using my email account in order to obtain my credit score ( s ). 
But I was unable to do this because My email is still registered to my mother who passed away in 2016. ( I held a 'Durable power of attorney ' on her behest until her death ). 
( This is a serious issue, because it directly affects my ability to obtain and monitor my credit activity ) Credit Karma 's Help section does NOT provide any way to correct this. Further, Credit Karma has failed to provide a 'contact number ' anywhere on their website for issues such as this. 
Having 3 degrees in computer sciences, I was able to obtain one single phone number for their XXXX XXXX office through some of their filings with sec.gov. ( Securities and Exchange Commission ), But that number appears to connect to their 'Loan department ' I placed a call to that number and it went straight to 'voice mail '. Having no other option, I briefly described my situation in the voice mail, but have yet to have heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an alert from XXXX XXXX XXXX of a new inquiry in my credit report. Simultaneously received XXXX alert and an alert from the issuing company to verify my email address. 

Called the issuing company and notified them of the fraudulent transaction as I have never used XXXX XXXX XXXX in the past several years and I do not have any account with them currently. Also called XXXX XXXXXXXX XXXX and spoke to the Transunion rep and notified them of the same. They also asked me to lodge a police report and/or FTC report for this. The official police report was lodged with XXXX Police Department and is given the number : XXXX by officer XXXX XXXX badge XXXX. 

I am now also filing this report with FTC via consumer finance.gov.
Product: Debt collection

To Whom It May Concern : I am writing to dispute several inaccuracies on my credit report as prepared by XXXX. I am requesting that you immediately correct and/or delete the following items from my credit report, as they do not accurately reflect my credit history. Under the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681 et seq., I am entitled to an accurate and complete report, and I am asserting my legal right to have these items corrected.

Please be advised that I am exercising my right to dispute inaccurate information under the Fair Credit Reporting Act, which requires you to investigate these matters thoroughly. I am also aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed lawsuits against XXXX and XXXX for conducting sham investigations, and I expect a thorough and complete investigation of each disputed item as per the law. Failure to resolve these disputes accurately may result in further legal action.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Demand : If any charge-offs appear on my credit report that are incorrect or unverifiable, I demand they be deleted from my credit file.
Product: Credit card

On XX/XX/year>, I made a purchase through the XXXX platform for {$64.00}. On the expected delivery date, no package was delivered, but a discussion with the local postmaster indicated that the purchase was part of a false tracking number scam as a package with the tracking number I was given had been delivered to an address in my post code that day ( XX/XX/scrub>XXXX  ). 

On discovering this, I started a dispute with Goldman Sachs and provided them with the order confirmation and demonstrated that shortly after the order had been placed, the seller had removed their storefront from the selling platform. 

On XX/XX/year> I was notified that the charge would remain on my account, saying that they believe that the merchandise was delivered despite that being false. It is my expectation that the investigators at Goldman Sachs simply saw the tracking number and its associated delivered status without looking into which address it was delivered to. 
I reopened the dispute and submitted additional evidence but was denied again on XX/XX/scrub>XXXX 

I challenged the dispute another time and found the tracking number, and added a receipt for the purchase of a replacement product that I subsequently made through XXXX. 


Finally, on XX/XX/year> the dispute was denied a final time. By contrast, a similar purchase was made through a different credit card on the same platform that was similarly fraudulent but was resolved swiftly in my favor by that credit card company. 

The tracking number associated with this case is : XXXX The store associated with this case is XXXX, found at XXXX  ( Note that the storefront has been taken down )
Product: Debt collection

I was taken to XXXX XXXX hospital by XXXX XXXX back in approximately XXXX  I had sXXXX XXXX XXXX many things, I stayed overnight there. I was able to pay the hospital bill off in a timely manner. 
The ambulance bill on the other hand, was sold to Premier Collections whom is consistent with taking money out of my account monthly. I make {$470.00} a month. They have been taking money for years and refuse to give me paperwork showing what Ive paid.
Product: Checking or savings account

I opened a checking account online in XXXX of XXXX with Chase Bank. I had XXXX checks totaling {$3100.00} from family members who wanted to contribut to the cost of my sons funeral. As soon as the checks cleared Chase Bank closed my account and kept the money and said the checks were fraud. They were absolutely not fraud. They said they would need to call each person who wrote the check and verify them. They did verify each check and its the check writers but told me they didnt. So they kept the money and have refused to return it or return my calls. Also if these checks were fraudulent then I would expect to be charged with a crime. Yet I havent been? Chase Bank is the criminal. 
With the new administration we have now I will see to it that they are held accountable and I get my money back. Those in charge at Chase belong in prison.
Product: Debt collection

in XXXX I refinanced my existing 80/20 mortgage loan with XXXX XXXX. XXXX only refinanced 80 % ( $ XXXX ) and told me that 20 % ( $ XXXX ) was considered a " loss '' and I did not need to pay. I never heard about the 20 %. In XX/XX/XXXX Sortis Financial squired this 2nd mortgage debt from some other institution and NEVER notified me for  8 years. I have never defaulted on my mortgage with XXXX since XXXX. Now XXXX I tried to refinance my home, I was not able to be approved because Sortis Financial placed a lien on my home title. Sortis Financial wants $ XXXX as they have accrued 8.125 % interest in 8 years ( $ XXXX + $ XXXX ). I have tried for 2 months ( XXXX to now ) they have not budge release the lien. It has caused me stress, made loose refinance and loose money. I am getting into more debt because of no refinance. now $ XXXX in debt and could soon default on my mortgage. I need help to resolve this situation. 940 CMR 7.07 ( 24 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm very frustrated because I reached out to you all in XXXX of this year about things on my credit that I know nothing about. I'm really trying to help my brother who now has a XXXX XXXX baby get a new car. I have reached out to the FTC and my police here. You guys did get some thing resolved but there are still a few items on there that is not mine XXXX XXXX, XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$4500.00} BANKRUPTCY - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$390.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$660.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX  - In accordance with the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX - XXXX - In accordance with the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Debt collection

I have been receiving multiple phone calls and voice messages every day for almost a year from Synchrony Bank regarding an unpaid Discount Tire bill. The messages claim that the bill originates from Florida, however, I live in Texas. Additionally, I have never done business with Discount Tire. I have repeatedly looked into the issue to see if it is a scam, and it appears not to be. I contacted the company about the issue and the calls stopped for about a month, however they have returned recently with increased frequency.
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 XXXX XXXX XXXX. 


FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.


15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 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 mandate 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 proceedings ( FILE NO. 2025-CFPB-0002 ) 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 on investigation XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

My complaint is against Venmo. I have my checking account -and debit card attached to my checking account- with Venmo. I opened my Venmo account at the end of last year so I could make payments to my XXXX sports coach. Only yesterday was I alerted I had been sending payment to the wrong account. The wrong account holder, which has a very similar name to the coach, knew the money was not fir him since I would write a personal note with each payment. I contacted Venmo customer service and spent hours in chats being given the runaround, being told conflicting information and finally, after my demand for payment from the fraudster was denied, Venmo essentially told me I was on my own. The total amount is {$120.00}. Venmo said they will supposedly reverse the first {$25.00} payment so it should be {$100.00}. I have screenshots of the transactions.
Product: Credit reporting or other personal consumer reports

I am trying to buy & house & this collection is a hindrance to my name & future goals. I am covered by the Fair Credit Reporting Act of 1681. According to the 15 USC 1681 law there should not be any damages on my report it is a defamation of my character.
Product: Debt collection

I have been in XXXX  for past XXXX  years and have not opened any new accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month for the last six months, XXXX XXXX XXXX continue to display inaccurate information onto my credit report at all tree Major Credit Reporting Agencies, intentionally. Enclosed is full complaint. Please read. 
Thank you ...
Product: Debt collection

I submitted a cease and desist letter to Southwest Credit Systems stating that I do not want them to contact me via the fair debt collection practices act. They have tried to contact me since then and they have submitted a collection on my credit bureau after they received the cease and desist letter
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reported on my credit and should not have been. This was originally a hospital bill. After sending in my insurance information they should have corrected the issue. Back in  XXXX  I contacted my insurance and on a conference call with progressive management they agreed to fix the issue. According to law this should never have been reported. This situation was discussed and cleared and was stated it would be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX are reporting a state tax lien that should have been deleted last year. I have call them to remove this item from my credit report and of this date ( XXXX-18 ) it still remains. XXXX deleted this item last year.
Product: Credit card or prepaid card

I received a hard credit pull from Pentagon Fed Credit Union. I never applied for a card with them and did not authorize them to pull my credit report.