23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer Financial Protection Bureau Subject : Complaint Regarding Unauthorized Garnishment by LVNV and Request for Refund Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding an unauthorized garnishment related to an account with LVNV ( account number XXXX ) that appeared on my credit report. 
After disputing the account, it was removed from my credit report. However, despite the account being deleted, LVNV garnished {$1600.00} directly from my paycheck. 
This garnishment appears to be in violation of the Fair Credit Reporting Act ( FCRA ), as the account in question was already removed from my credit report. I am requesting the CFPB to intervene in this matter and assist in securing a full refund of the garnished amount. 
I would also like to request a thorough investigation into this garnishment and the practices followed by LVNV in this case. I believe this garnishment was improper, and I seek your assistance in ensuring that LVNV complies with all applicable laws and regulations.

Please keep me informed of the progress of this complaint and provide any updates or documentation that may clarify the situation. I trust that the CFPB will ensure that appropriate actions are taken to resolve this matter fairly. 
Thank you for your attention and assistance in this urgent matter. 
Sincerely, XXXX XXXX Date of Birth XXXX XXXX  SS # : XXXX Page XXXX of XXXX Date Issued :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

sent multiple dispute letters to XXXX, Equifax, and XXXX to verify that this was my debt. They have not responded or removed these XXXX accounts from my credit report.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I told them that they have now the car to the wrong place that I live in Florida and had the wrong name on it middle initial at my first name for my middle name wrong and XXXX was used and they made me going to the bank to verify my identity which I told him in Florida which just got issued in New Jersey.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processing Delay : For the months of XX/XX/XXXX to XX/XX/XXXX, there was an error in the processing of my payments. Even though I submitted payments on time, they were not reflected on my account due to a delay on XXXX XXXX XXXX side in processing. I have provided bank statements and payment confirmations showing the payment dates, which were before the due dates. 
Incorrect Late Payment Status : Despite timely payments, my account was marked as 30, 60, 90, and 120 days late. These entries are incorrect, as payments were made and cleared during those months. XXXX XXXX  confirmed this delay in processing and acknowledged the error in a written communication, which has been attached as supporting evidence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year> my $ XXXX balance was paid down to {$14000.00}. This means the account balance is : {$14000.00}! Not XXXX that all the bureaus are reporting. Ive notified each of the credit bureaus and provided documentation from XXXX and XXXX  and STILL my credit report is showing XXXX in XXXX  loans. This needs to be updated accordingly. The credit bureaus have removed accounts, but neglected to update the balance! PLEASE DO YOUR JOB!!!!!! This is my second request. Next, we will be in the federal court asking a judge why my credit report is inaccurate and how I can be properly compensated for damages and incurred losses due to the negligence of Transunion, XXXX, and XXXX.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2018 - 30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau thedate of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. Being that they have gone past the 30 day make and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Debt collection

On XX/XX/2019, XXXX XXXX XXXX XXXX placed a collection on my account for {$5400.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  they have linked this debt to my name that does not belong to me, tthis is not my debt a. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report shows XXXX hard inquiries where only XXXX are valid. ( does not show on XXXX ) XXXX XXXX XXXX in a week due to their own error losing my account information. Should be XXXX valid inquiry only. <P/>XXXX XXXX shows XXXX inquiries on same day for same service. A duplication that should appear as only XXXX valid inquiry. <P/>XXXX appears even though I never applied to XXXX for any services. Invalid inquiry either mistake or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I received an alert about an inquiry into my XXXX credit report that I did not initiate.
Product: Debt collection

I received numerous letters requesting payment from Radius Global Solutions LLC. I disputed the debt in email on XXXX I was instructed to send my email to XXXX. I never heard anything back from the company. I followed up with a dispute and validation letter XXXX I sent the letter certified mail to Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX. I asked them to validate the debts or remove them from my credit report. I again never heard anyting back from them after the 30 day validation request. I followed up with a phone call on XX/XX/. I spoke to XXXX XXXX who confirmed both of my dispute letters were received. I asked to be transferred to a manager and was transferred to XXXX XXXX. I informed her they were in violation of the FDCPA for not validating my debts. I also informed her she was in violation of the FCRA for placing these on my credit report without validation. I asked her to get these negative trade lines removed as soon as possible or I would initiate litigation. This company has failed to provide me with the validation required by law.
Product: Credit card

My account is set up to pay 1/2 the balance every other week at some point in XXXX I stopped that from happening. and missed part of XXXX and all of XXXX payment. once I realized the error I reinstated the auto payments every other week- I expected to be hit with a late charge and had no issue with that as it was my error. once XXXX came I tried to use my card and it was declined for lack of funds. when checked I saw that due to my missed payment I not only was hit with a late fee but they also dropped my credit limit from XXXX to XXXX a XXXX dollar drop! I called to try to explain and to see about getting it reinstated and I was told I would have to pay XXXX to get it back to the limit that it was at. that was almost all of my outstanding balance. ( they did however waive the late fee- which I was ok with paying ) I tried several people and their supervisors and apparently there isn't anything that can be done once its lowered but I can ask for a credit line increase. but no guarantee what that might get me. I told them I felt that this seems like an excessive penalty for a customer that has been with the card so long and that has an excellent credit history - and if they were to look at my history with this card its not a pattern. this will affect my purchasing power with capital on and also my credit score in general having less available credit and a large drop at 1 time.
Product: Credit reporting or other personal consumer reports

The late payments showing on these accounts are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I went to the United States Bankruptcy XXXX XXXX XXXX XXXX Florida. I spoke to the Deputy Clerk to follow up on a request that I sent them, requesting information on their process for reporting/verifying bankruptcy records. At that time they confirmed that they do not report nor verify to 3rd parties. I asked to get that in writing and I was provided with 2 letters ( 1 for each record ) which I provided. 
/ Then on XX/XX/2023 I received 2 letters ( attached ) in the mail from XXXX ( dated XX/XX/2023 ) which both stated that they have removed the items from their files. In those letters they also stated that they reached out to Equifax and the other referenced XXXX to have them delete them as well. 
/ The following Monday, I contacted XXXX to confirm and asked them if they actually reached out to Equifax and XXXX and they replied that if they had not, I would not have received the letters. 
/ The same day I reached out to XXXX to follow up and was hung up on 3 separate times whenever I mentioned the letters. 
/ I also contacted Equifax and one of their reps denied any affiliation to XXXX.
Product: Mortgage

In the Chase Branch at XXXX XXXX XXXX XXXX, XXXX, NJ I went in to pay off a Home Equity Loan ( HEL ). At the branch they called a Chase number to get a payoff dollar amount. No details were provided to me, just what Chase said is the number. When I later reviewed the HEL in the Chase App, I saw there was a Recording Fee of {$25.00}, a late charge of {$8.00}, and a second Recording Fee of {$25.00}. During the life of this HEL, I was never informed why and for what reason they are imposing Recording Fees. Why now when I am closing the account? Why two Recording Fees each for $ XXXXWhy a late charge of {$8.00} when I am paying the loan off on XX/XX/year> when the next account due date is XX/XX/year>. I did pay the previous month 's HEL payment. A larger question is this Chase 's policy to laden a Mortgage/HELC loan account closing with a full payoff by imposing fees?
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 States I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for and purpose. 

Collection company : Tirey , St John *****Stop running my credit report!! this is a violation of identity theft. Stop illegally reporting! Cease and desist any further communication towards me and any third party company and credit agencies. Last final attempt! ******
Product: Credit reporting or other personal consumer reports

I discovered that medical debts are still being reported on my credit report, despite the CFPB 's final rule prohibiting such practices. The rule, which amends Regulation V under the Fair Credit Reporting Act ( FCRA ), which becomes effective on XX/XX/year>, and bans the inclusion of medical debts on credit report provided to lenders. The reported medical debts are negatively affecting my credit report and may influence lending decisions on my credit report. This violates the CFPB 's regulation, which aims to protect consumers from inaccurate and coercive debt collection practices.
Product: Debt collection

CRA/HIPAA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Student loan

The company keeps rejecting my correctly submitted payments. I tried every week since XX/XX/23. I keep getting a notice stating it was rejected. I have stayed on hold in attempts to call them for hours at a time. 

Not sure but this seems to be by design and Im fed up!
Product: Checking or savings account

My direct deposit from my company payroll has not been credited to my account causing auto pays to decline and no access to my paycheck to pay bills or make purchases.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX  Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

The Bank Has An Promotion Going On where When Youu Open An Account They Give Youu {$250.00}. Its Been since XXXX  and whwn i seen The Promotion I Opened an account But Still Havent recieved My {$250.00}. Im Very Upset About It And Feel It Isnt fair. I Still See This Promotion Going On And Yet To Recieve My Money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.