23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been garnisheed numerous times over the last 25 years. I owed the IRS and any garnishees previous were discontinued. I paid off the IRS and suddenly a garnishee re appeared. The current XXXX is Providian Bank or actually the collection agency who bought the debt. It has been so many years I have no idea who. After this I am in understanding that a XXXX XXXX who purchased debt is waiting in the wings and placed a judgement XXXX of 2014 which I have no paper work for and no idea who it is for. Any credit cards that I have been garnisheed for are at least 15 years old, probably more. Most of the garnishments on me were placed and I ca n't even begin to tell you by whom and I may be paying debt more than once. I am please asking for this to be looked into and help me if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from these credit agencies.

I would like to know the following information : 1. Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS?

2. If so, why have I not heard back from them?

3. If my dispute was not received, then who has all of my account information, copies of my photo ID, SSN and bill that was sent certified to the credit bureau?
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I do not recognize the following hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. My credit limit of {$20000.00} with the following creditor is not reported ( it's a Personal Unsecured Line of Credit ) : XXXX XXXX XXXX Account Number XXXX Balance {$0.00} Date Opened XX/XX/XXXX 3. This name associated with my account is wrong : XXXX XXXX Name ID # XXXX
Product: Credit reporting or other personal consumer reports

This is not accurate. This account was listed in my XXXX  XXXX bankruptcy back in XXXX and it has a reporting of XXXX. This is definitely in accurate.
Product: Checking or savings account

My issue is with Truist Bank I have been banking with them since XXXX. I have made regular transactions on this account. However after receiving a check in mail from paying off car loan. I mobile deposit the check over XXXX XXXX dollars and it was held. I reached out to truist regarding the error. I was sent XXXX checks. XXXX was reversed due to me reaching out about not receiving the first XXXX. Initially they stop payment of the first one because I told them I never received it. I end up receiving XXXX with error and received the correct check after and was able to deposit it to Truist. After clearing up the error with the first check I was told not to worry because the second check would not have any problems. I was told there was just going to be a regular hold on it. XX/XX/XXXX I reached out regarding overdraft fee and was then told it would be waived. I never received the waived fee until XX/XX/XXXX and entire year later. However the entire year the money has been in the account and Truist continues to charge {$5.00} maintenance fee each and every month. I went into the Bank XX/XX/XXXX to figure out what I need to do to have my money available to me outside of Truist constantly charging the account and closing my card but not the account. The XXXX tried assisting me by opening up a new account however, whomever she was messaging over the computer stated I need to provide proof that the check will not return. Its been an entire year and the check has not returned or anything obviously if its still in the account. I have showed ID, I have showed proof of calls and contacts of the family I sold the car too but still no reason on why Truist wont release the funds. I then reached out to Truist fraud department after receiving a card to the account in the mail XX/XX/XXXX due to the card not being activated or being able to use it. The representative stated he wasnt sure why it dont work after attempting to activate it. He then said I couldnt speak to anyone but a physical banker which I have done several times prior to receiving the card in the mail. It is once again going on year XXXX of my money being held in an account I can not do anything with. I cant close it, I cant make transfers, I cant get a card, they wont close the account and send a check or anything. I have been told they will eventually close the account and send a check after it hasnt been touch for year and that has yet to happen. Truist Bank however has received constant maintenance fees on an account I havent used in almost XXXX years. I want the account closed and a check mailed to me. I no longer have to do business with Truist Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion fail to submit documents to validate all fraudulent inquiries and accounts on my credit report. I sent notarized affidavit and dispute letters proving that these account i have listed are not mines and they do not belong to me. i have been in contact with all companies listed in affidavit and they have not yet respond to my issue. this has become very stressful and is keeping me and my family in a terrible situation. its been over a year i been fighting these accounts. For the record i am XXXX XXXX and i am submitting this complaint myself
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/year> Collection Agency : Hunter WARFIELD Address : XXXX XXXX XXXX XXXX XXXX, FL, XXXX Phone number XXXX Dear Hunter WARFIELD Associates, Your activities on behalf of your company in attempting to collect the alleged debt associated with the above mentioned case number have violated Section 808 of the Fair Debt Collection Practices Act ( 15 USC 1692f ). Section 808 of the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692f, provides, in part, as follows : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : " ( 7 ) Communicating with a consumer regarding a debt by post card. '' XX/XX/year> I received a post card from you regarding this alleged debt which stated among other things, " PAY YOUR DEBTS. '' This statement was in all capital letters and written in red. I will be discussing remedies against you, your company and XXXX XXXX XXXX  with an attorney within the next week.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NY, XXXX
Product: Credit card or prepaid card

I was late on my Bank of America Visa credit card payment by 1 week. This was a rare occurrence, as I almost always make by payments by the due date. We had taken a vacation and the payment slipped my mind. I made the payment online as soon as I realized that it was late. Normally, I send a check, but because it was late I wanted to expedite the payment by paying it online. Unfortunately, Bank of America put a hold on my credit card and would not let any charges go through until the payment was posted, which can take 1 - 3 days. I starting receiving notices that charges on the card were being rejected and I could not make any purchases on the card. I can not remember the last time that I was late on a payment, but I do remember that the last time I just received a late fee and needed to pay the interest on the unpaid balance the next month, which would be expected. I never expected that Bank of America would stop all charges from going through. This was a great inconvenience for us. This is not a customer friendly way to handle this. I could maybe understand if I had a record of making late payments, or if it was over a month late, but not a week. I not only normally pay onetime, but I usually pay off my balances each month. I spoke with a customer service rep on the phone on XX/XX/23 and online and no one was able to take the hold off the card eventhough the payment was in process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I read that Equifax experienced a security breach affecting 143 million consumers. I also read that they knew about this hack as early as XX/XX/XXXX, AND that 3 senior executives sold off millions of dollars worth of Equifax stock prior to this becoming public knowledge.
My personal issue, apart from obvious insider trading violations on their part, is the website they set up to see if individuals ' information was compromised.
The website, https : //www.equifaxsecurity2017.com/, has a link to help you determine potential impact : https : //www.equifaxsecurity2017.com/potential-impact/ This URL XXXX XXXX XXXX  throws off a DANGEROUS site message from major browsers ( not comforting when your information has a 1 in 3 chance of already being violated ). It also does not reflect that it is owned by Equifax in the WHOIS lookup, which also does not engender confidence in neither the site 's security nor authenticity.
By way of contrast, XXXX is CLEARLY indicated via WHOIS lookup as owned by Equifax.
1 ) Why is XXXX throwing off a DANGEROUS site message?
2 ) Why does it not clearly indicate that the registrar and owner of the site ( which asks you for your last name as well as last 6 of SSN ) is Equifax 3 ) How does a consumer actually find out if they have been compromised without having to enter their info on a site that is not registered to Equifax and a site that throws off browser security errors? Their XXXX number found here : https : //www.equifaxsecurity2017.com/contact-us/. ( XXXX ) just returns a call failed. According to the site, " For consumers with additional questions, Equifax has established a dedicated call center. The call center is available at XXXX, every day ( including weekends ) from XXXX XXXX XXXX XXXX. Eastern time. " ... I tried calling at XXXX and XXXX am Central Time ( XXXX and XXXX am Eastern ) today ( Friday, XX/XX/XXXX).
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice that a new collections account had been added to my report on XX/XX/. Over the last couple of days contacted all the parties involved with the credit report, most recently was today, on XXXX when I contacted XXXX regarding the information. Sequim Asset Solution was the reporting agency, and rather than verifying the information they submitted when I disputed the account, they updated my credit report with a false address. I contacted them ( as they are the only party that can remove the collections account from my report ) and they stated that they no longer had this account XXXX XXXX XXXX XXXX had recalled it for review ) and that I needed to contact XXXX XXXX XXXX regarding the report on my credit report. I explained that they were the company that submitted that information and in turn they were the only ones that could get it removed. Even with it being false/incorrect information they still stated they were not going to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections ... .Its a bit confusing when an account is a charge off and showing a balance at the same time..Please remove this error and fix my accounts XXXX ( reported thrice on my Equifax credit report ) , XXXX XXXX XXXX, XXXX XXXX ( reported twice on my Equifax credit report )
Product: Credit reporting, credit repair services, or other personal consumer reports

violation of my rights cra inaccurate infomation sent the hpd report to them XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. TRANUNION has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNTS LATE PAYMENTS ADRESSES AND INQUIIES IN QUESTION INCLUDED BELOW 15 U.S.C 1681SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An 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 ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 USC 1681s 2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TOA CONSUMER TO ANY CUNSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES DEPT OF EDUCATION
Product: Credit card or prepaid card

XXXX XXXX, operation analyst on claim customer service team, phone number XXXX, accepted a valid second opinion letter, on business letterhead and signed by a second qualified merchant on XX/XX/XXXX and charge-backed the disputed {$3200.00} and {$5100.00} charges on XX/XX/XXXX 
She admittedly concealed from me a merchant 's response to credit card dispute on account ending with " XXXX '' and re-billed, for the third time, the disputed charges on XX/XX/XXXX. 
It undermined my ability to reverse the disputed transactions under consumer protection law through Visa arbitration process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion via certified mail on XXXX and XXXXto conduct a reinvestigation of unfair, unverified, false reporting accounts. TransUnion job is to investigate and correct any issues that have been placed as a concern by the consumer. I am the only person who can verify a debt because it would have been me who would have open any account. TransUnion is a for-profit company and not or has anything to with being a bureau. They are not any type of government agency and they work on behalf of the consumer. By federal law in which I am a federally protected consumer I expect my rights to be upheld as such. The same data furnisher reported the same information yet all my information on my credit report is incorrectly reported. Their job is to report accurately and by law if they are not they have to remove any incorrect data immediately. All accounts must report accurately with the same data on each credit consumer credit report. attached is proof that these accounts are not. I have also attached where XXXX have deleted all these accounts from my consumer report because of these same inaccuracies.
Product: Debt collection

I noticed this debt in the amount of {$890.00} being reported on all 3 credit reports. I disputed the information with XXXX as this agency is used to pull with potential future lenders. In any event I am NOT responsible for this debt owed as it is due to identity theft. GENESIS FS CARD SERVICES responded to my dispute by USPS mail on XXXX XXXX XXXX and requested I send over a filed theft report online at XXXX This has been completed and the reference # is XXXX... this report can be viewed at any time.I also filed a police report regarding this matter. I then noticed that this account has ben transferred to XXXX XXXX XXXX. A debt collection agency. I spoke with a representive today at this aw firm that indicated that my account was sent to them on XXXX from th merchant. XXXX XXXX XXXX  then sent this account over to XXXX XXXX XXXX a sister company to them as a debt collection attempt. AGAIN I DO NOT OWE ANY DEBT FROM THIS CREDIT CARD COMPANY> I ave been a victim of identity theft since XXXX. Someone stold my wallet from my purse and gained access to all my personal information including my CA ID my social security card, banking information etc. This agency DID NOT PROTECT MY IDENTITY. I am asking that you REMOVE THIS DEBT ACCOUNT AS IT IS FRADULENT. I have contacted XXXX XXXX XXXX TODAY the account # XXXX. Please do right and remove this account from reporting debt that i do NOT OWE from XXXX XXXX and XXXX. Thank you. Feel Free to contact me at XXXX or email me back at XXXX XXXX
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 right to privacy and confidentiality under 15 U.B.C 1681. 

TransUnion : # XXXX, XXXX : # XXXX, has violated my rights. 

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

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

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting containing any of the following more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account Numbers : # XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX : # XXXX. XXXX XXXX  XXXX # XXXX. XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am requesting that the credit Bureaus investigate and correct the items on my credit file that I believe are inaccurate and incomplete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan from Lendumo on XX/XX/2023 but the money did not arrive until XX/XX/2023, at which time I immediately repaid the loan, however, the company insists on me paying interest for 2 days that I did not have the money. In the loan agreement it states that I being accruing interest on the disbursement date, and that in some circumstances the funds are not deposited as expected, and in that case the " disbursement date '' will be automatically adjusted in the system when the funds are disbursed. I have repaid the {$2500.00} but was still charged {$84.00} in interest that I refuse to pay. 

I suspect they are doing this to many unfortunate consumers, collecting XXXX XXXX XXXX from struggling families across the nation. They are telling me if I refuse to pay this illegally generated interest that I will never be able to borrow money from them again. So if you refuse to abide by their fraudulent scheme you're penalized. 

This organization needs to be investigated, and consumers made aware that they could be paying interest that they do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reports multiple account numbers for the same account, some say XXXX balance & XXXX owed but account is over 120 days past due, another reports the balance has been charged off. Multiple calls to company. After I call to dispute, BOA sends account to a different collection agency, and we begin the process over. It 's been since XXXX 2015 account is paid and closed at consumers request
Product: Debt collection

On XXXX 2017, I received a collection letter from Credit Collection Services, XXXX, MA XXXX. I was perplexed by the collection notice as I have and have had insurance through the XXXX for almost 10 years. Immediately, I disputed file number XXXX. I explained that I continue to have the same insurance with The XXXX and only changed my last name from XXXX to XXXX. The debt for {$110.00} is not valid. Instead of investigating, the company posted this illegal debt on my credit report. Under the FCRA, a debt may be disputed within 30 days of receipt. Until the dispute is settled, the debt collector can not place the debt on the consumer 's credit. I am still disputing the validity of the debt.
Product: Debt collection

Six months ago, AR Resources posted a negative mark on my credit report due to a debt owed to XXXX University. According to my credit reports, the outstanding debt is for {$2500.00}, however, my outstanding debt was {$1900.00} which I have paidon XX/XX/2022. I have attached a copy of my financial statement which includes the debt owed and the payment posting.
Product: Mortgage

We refianced our home mortgage in 2015, and the loan was sold Caliber Home Loans in XXXX, TX ( XXXX # XXXX ) for servicing. in XXXX, Caliber informed us there was insufficient money in our Escrow account to keep the monthly payment the same, and listed the new payment amount. They also included a smaller monthly payment amount if we sent them approx. {$300.00}. 
We wanted to keep the payments for our loan from increasing, so we sent the {$300.00} amount, PLUS the difference of the monthly increase XXXX. 
They returned the difference. I sent another check for them to keep our monthly loan payments the same, and they AGAIN returned the money, saying, by law, they had to return anything more than {$50.00} that was required by Escrow calculations. I explained that I did n't want them to add it to Escrow, but to keep the payments as they had been in 2015. 
They said they are unable to keep the payments fixed, even though I twice sent them monies which would do that very thing.