23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I took out a XXXX credit card in the amount of {$6000.00} I got behind in my payment due to financial hardship in XX/XX/XXXX. I was not able to keep up the payments I was contacted by a collection agency and agreeded to a settlement amount of XXXX, XXXX. I made payment arrangments to pay off debit. In XX/XX/XXXX I was contacted by Mandarich Law Group XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX they issued a Writ of Garnishment for my wages the claim I owe {$8800.00} from XX/XX/XXXX through XX/XX/XXXX they took {$420.00} per pay check bi-weekly. I rersearch the Writ of Garnishment it was dismissed in XX/XX/XXXX due to failure to disclose debit. I contacted several attorney they told me to make arrangements with them. The collection agency wants me to sign a contract with set up fees for more than XXXX at XXXX % interest. I contacted XXXX the debit was sold they have no record of my settlement with the collection agency bu acorrding to them they can continue to sell of my debit. I am trying to get monies to again pay off this debit but my fear is that it will only be sold to another collection agency. I have become ill from trying to reslove this matter and so much time has gone by I am having trouble located the necessary paper work to fight anymore. No person should have to experience this my wages are continued Garnished by a document that was dismissed each attorney I talk with says make payment arrangement that are not in my best interest I am just feeling hopeless and financially abused. I have paid XXXX on this debit and no one has a record. The Writ of Garnishment was from the XXXX XXXX and was dismissed on XX/XX/XXXX and I was never served anymore papers or I would have went to court and disputed. What do I do?
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 my 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 60 days 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.

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 or other personal consumer reports

I am writing to declare that I am a victim of identity theft. A fraudulent account was illegally opened in my name without my knowledge or consent. Specifically, I have no recollection of applying for or authorizing the account with XXXX XXXX, and I am unfamiliar with its origin. This unauthorized activity has caused harm to my credit and financial reputation. 

I have taken immediate action by filing a complaint with the Federal Trade Commission ( FTC ), and I have enclosed my Identity Theft Report as evidence of this crime. Additionally, I have contacted the credit reporting agencies ( CRAs ) to request validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). However, the information I requested has not been provided, which further confirms the lack of legitimacy surrounding this account. 

The fraudulent activity violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy of information reported to consumer reporting agencies, and the Identity Theft and Assumption Deterrence Act, which makes the unauthorized use of my personal information a federal crime. 

I am requesting the immediate investigation and removal of this account from my records and credit reports to prevent further harm. Identity theft has impacted my ability to secure credit and maintain my financial well-being. I appreciate your prompt attention to this matter and your cooperation in helping me resolve this issue. Please contact me if you require additional documentation or information. 

Please find attached a copy of my id, a copy of my social security card, a copy of my most recent utility bill, a copy of the FTC complaint, and a copy of the validation of dept letter.
Product: Credit reporting

We request that the XXXX reporting agencies block negative credit information reported on our credit reports due to Identity Theft. During XX/XX/XXXX and XX/XX/XXXX, XXXX ( XXXX ) credit cards with small credit lines of {$300.00} to {$1000.00} were fraudulently opened in my name with my information and were maxed out and abandoned. 
In that we rarely use credit, we did not know about these credit cards until we obtained our car loan XX/XX/XXXX, at which time we received our credit report for the first time. 
We reported that these were fraudulent cards and that they should be blocked on our credit report. 
In that we are planning on getting another car loan in the near future, I requested copies of my credit reports and see that these items are still on my credit report. It is clear when reviewing our credit report that we have credit cards and an auto loan from a long time before XX/XX/XXXX/XX/XX/XXXX and since that time which have always been handled as a agreed with very few late payments. Only the cards that were issued without our knowledge have not been handled as agreed and were charged off. The fraudulent cards inappropriately reported on our credit report do significant damage to our credit score. 
We request that the XXXX credit reporting agencies immediately block these fraudulent cards from our credit report.
Product: Checking or savings account

My cash app account was closed out of the blue. They have allowed me to be scammed and never did anything about it but yet they closed my account due to a violation of their terms which I did not. I got one piece of information when I tried to login that said the closure was due to gambling. I do not nor have I ever gambled. I pay for things from my games through XXXX and XXXX as well as purchase things from XXXX. I also have dabbled in bitcoin & stocks but I HAVE NEVER USED THIS CARD FOR ANY SORT OF GAMBLING!!!!
Product: Checking or savings account

On XX/XX/XXXX I tried to pay a contractor using our Square Checking account. When I logged in, I noticed that my account was under review and the funds were frozen. I received no email or communication from Square Financial Services so I called them. The rep explained that it appeared fraudulent and after verifying all the information and transactions, they would request the funds to be released. But due to the fact that they were closing in XXXX minutes, it would be the next day. The account was released the next day with no problem. On XX/XX/XXXX, our account was once again frozen and under review. I contacted square again and verified all transactions and was told the release would be done within XXXX minutes. It was not done and as of XX/XX/XXXX the release has not been lifted. I spoke with an agent on XX/XX/XXXX and explained the problem who advised that it could be XXXX business days before the review would take place and the hold released. I explained it was not acceptable as I have to process payroll and pay vendors and as a restaurant, I needed access to my funds. I asked to speak to a manager and was advised that management couldn't expedite the process but could listen to complaints. Once again, I received no notice or way to correct issues until my card started getting declined when I was paying vendors. The process to review accounts and the fact that management can not expedite the process and the fact that customers can not speak to the account review team is absolutely absurd in the financial world. I am requesting a full review of Square Financial Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX/XXXX XXXX credit card account ending in : XXXX has an inaccurate balance of {$1500.00}. My XXXX account, should have a current balance of {$0.00}. My XXXX XXXX credit card account has an inaccurate balance of {$1000.00}. My XXXX XXXX credit card account, should have a current balance of {$0.00}. Furthermore, I want the following personal information added to my Equifax and XXXX credit report : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, ND XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$150000.00}
Product: Credit card or prepaid card

XX/XX/2021 I had a construction Dumpster set at my son 's house. I asked for removal they moved it 3 days later then XX/XX/2021 a over charge was put on my card. I canceled card and disputed charge. Rolling balance carried to new card. They were paid. After arguing I decided it was a aste of time and paid the charge. Then with remaining balance I paid my card in full. Balance was XXXX. Dispute people decided that it was a legitimate charge and put it on my card. They refuse to do the simple math and see that the charge was paid and balance was also paid they put it on cause it was legitimate but I had paid it. Customer service agrees with me but dispute with exceptions to 2 individuals also aree.this has gone on for over 4 months and they are damaging my credit and compounding charges. It's not the money it the principal. I don't owe it. I even tried to make a deal to pay it off even though I don't owe them. They refused that also. I am a XXXX XXXX veteran and it is a tremendous strain on me in XXXX way thank you XXXX XXXX
Product: Debt collection

I am writing to formally lodge a complaint against Caine & Weiner for multiple violations of my consumer rights under federal law. 

XXXX. **Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : ** Caine & Weiner has failed to provide the required validation information for the debt they are attempting to collect. Despite my requests, they have not furnished the necessary details that would validate the debt, yet they have placed a collection on my consumer report. 

XXXX. **Denial of Opportunity to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : ** I have not been given a fair chance to dispute the account as mandated by law. Caine & Weiner has ignored my rights to dispute the debt and has proceeded with reporting the collection to consumer reporting agencies without giving me the opportunity to contest the validity of the debt. 

XXXX. **Use of False, Misleading, and Deceptive Means : ** Caine & Weiner is using false, misleading, and deceptive means in their collection practices. This behavior is a direct violation of my consumer rights and has caused undue stress and potential damage to my credit standing. 

XXXX. **Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ) : ** The collection agency has no authority to furnish any account information to consumer reporting agencies without providing all legally required disclosures. By failing to adhere to these requirements, Caine & Weiner is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

I am also revoking all rights of Caine & Weiner communicating with me through email/texts/calls or any other forms of communication. 

I request the CFPB to investigate these violations thoroughly and take appropriate actions against CAINE & WEINER to rectify these breaches of federal law. This includes removal of the collection from my consumer report and ensuring that Caine & Weiner complies with all relevant consumer protection laws in the future. 

Thank you for your attention to this matter.
Product: Debt collection

My husband and I purchased a queen size bed from Conn 's Furniture store in XXXX, TX in XXXX. The bed was financed through XXXX XXXX. We tried repeatedly to have Conn 's take the furniture back but they would not accept the bed. We worked on a settlement agreement and we paid the settlement and kept the bed. I checked my credit report in XXXX and discovered XXXX XXXX  reported the bed as a profit and loss in XXXX. I have tried contacting Conn 's Furniture store in XXXX, TX and they quit using XXXX XXXX  as their financier in XXXX. I have contacted XXXX XXXX  on multiple occasions in the past month to resolve this account, however they keep telling me that they only are showing an invoice on the bed we purchased but no other information is available. They are refusing to help me settle this account and I just want to get the dispute off of my credit report. I have disputed the charge on all three credit bureaus, however the dispute was investigated but it says I owe the money. I would like to get this settled, but XXXX XXXX  can't find any information showing what I owe.
Product: Mortgage

XXXX XXXX tacks a XXXX dollar fees on their one time payment system slyly hoping people will ignore and pay extra. 

I am supposed to pay XXXX and the system just added a fees in the bottom of XXXX dollar for no reason. 

Your MyLoans payment has been processed.

Your payment in the amount of {$2000.00} has been processed.

To view this transaction, log in to MyLoans.
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2016 with a balance of {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I made a payment of {$750.00} to XXXX XXXX XXXX for a debt they acquired from XXXX. The original amount of the debt was {$3800.00}. 
Until today, the amount of debt shown is still {$3800.00} with {$0.00} payments. 
I disputed this with Experian and they concluded that XXXX XXXX was accurate. I then disputed again with a picture of the payment from my bank account to them and they just emailed me letting me know that XXXX XXXX XXXX has certified that the information they have is accurate and they will not change anything on my credit report. 
I will upload a picture of the payment and the decision from Experian. 
Im writing to you in hopes that neither one of these companies is able to get away with something like this. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Name on Credit Report : XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX, SD XXXX Inquiry Date : XX/XX/2018
Product: Checking or savings account

Funds not being available causing overdrafts or transactions taking 3 days to reflect correct balance causing low balance and over draft fees. Also higher intrest on a car loan.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX  Account Number : XXXX Disputed Information : BALANCE, DATE OF LAST ACTIVITY, DATE OPENED, CLOSED DATE and CREDIT LIMIT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

I XXXX, have lived in the apartment at XXXX XXXX XXXX, XXXX XXXX XXXX, SC for 6 years, with the same carpet flooring and same painted walls without an upgrade to the apartment which should have been done every XXXX years. Your letter is claiming I created this debit for upgrade to the apartment after I have moved out and not in a court of law but through the credit reporting process. 
However the documentation they sent fails to show in detail what was my responsibility verses the everyday wear and tear for the 6 year time frame I occupied the apartment. and the responsibility of the XXXX XXXX to maintain adequate carpeting and painting of an apartment you rent from the after you move out of the apartment
Product: Credit reporting

Along with my social security number, another social security number that is not mine came up on my credit report within the last month. I was alerted by my home loan officer at my mortgage bank. This number does not belong to any family members that I am aware of.
Product: Debt collection

Alliance One has contacted me about an allege debt from another debt collector ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). They ( AllianceOne ) are not the party involved in said consumer credit transaction and has NEVER been given permission to contact me which is a direct violation of 15 USC 1692c. I've never gave them permission to contact me and muchness never gave them permission to contact me multiple times through ANY medium, telephone, mail, or email. I received communication from them on XX/XX/2021 through the mail about this allege debt. I then received a phone call on XX/XX/2021 about the same debt and in that conversation told them to never contact me again they said that they would, they used obscene and profane language during that phone as words that I found offensive was used. They called at a time I was busy and being that I NEVER told them to call me it was INCONVENIENT to me, the consumer which is a violation of 1692c ( a ) 1. Then I received another call about the same debt ( violation of 1692c ) on XX/XX/2021, I never picked up because again it was inconvenient. The other violations are in the file I uploaded mark as exhibit A. I responded on XX/XX/2021 which they received which was confirmed by the USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/21, telling them AGAIN to not contact me about an allege debt, that they have no right to try and collect, the content of the letter I sent them was a cease and desist letter pursuant to 15 USC 1692c ( c ) ; an affidavit of truth, a request of debt validation pursuant to 15 USC 1692g AND an invoice with the amount of damages they have done to me the consumer, when they tried to collect on this allege debt. I have yet to receive any correspondence or money for the violations to these aggressive and deceptive practices to collect a debt that has not been validated or verified pursuant to 1692g. Enclosed is the phone records of my incoming call for both days that I was contacted.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent the credit reporting agencies a letter to investigate inaccurate information that they are reporting on my credit reports, but they ignored me. I personally contacted the companies which they failed to validate and verify the inaccurate information. On XX/XX/XXXX, I sent a follow up letter to the credit reporting agencies, again they blatantly ignored me and continue to report inaccurate, unverifiable information on my reports which have caused me to get denied for credit and cause a strain on me. That has caused me stress and anxiety due to the fact that it taints my character as a consumer.
Product: Debt collection

I have on multiple occasions reached out to this collector that is reporting negative information on my credit report stating I wanted this debt to be verified by providing me with the original contract with my wet signature that shows I owe this debt to them and that they are within 100 % of their rights to collect this debt from me or to report it on my credit report without my permission. I also requested they provide the method in which they used to verify this debt. I have never received any type of response let alone the information I have requested.
Product: Credit reporting or other personal consumer reports

I have seen several inquiries on my recently pulled annual credit report. I now know that my information was exposed in the recent data breach. I do not know exactly when this occurred. This is highly upsetting. Under rule of law, I am assured of privacy of personal information.
Product: Mortgage

Carrington Mortgage Services has " lost '' {$700.00} of payments that I have paid towards my mortgage. They are considering me late and charging me monthly late fees. I have contacted them numerous times, provided copies of cashiers checks with no resolution. The " history '' they provided is so scattered it does n't clearly show me where the funds the were applied. Either they have violated RESPA with overfunding my escrow account or they have misapplied my mortgage payments.