23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/year>, XXXX XXXX XXXX ( acting on behalf of XXXX XXXX XXXX ) was granted a default judgment against me ( for car loan/repossession ). 
I only learned about this judgment AFTER I received notice from the home health agency that oversees my pay that a wage garnishment was isssued against me. I immediately went to XXXX XXXX  XXXX XXXX and was advised of the judgment hearing and given a copy of the sworn affidavit of service. The affidavit of service submitted to the court was entirely false. The process server stated that on XX/XX/year>, he made contact with me at my residence and that I refused service. However, I obtained ring cam footage from that date showing an unknown individual knocking at my door at approximately XXXX when I was not home and appearing to leave something at my door. I never saw or received a notice to appear in court so I dont know what document this person XXXX have left or what happened to it. 
At the advise of the court clerk, I motioned to have the judgement set aside based on this fact AND that the income I receive is through the XXXX XXXX XXXX XXXX XXXX waiver programin which gross income is excludable. ( The motion was subsequently denied without reason ). 
I then confirmed with XXXX XXXX that my pay was disbursed from this XXXX program and forwarded this information to the legal secretary at Francy Law Firm . They still proceed with garnishing of my pay of {$340.00} per pay check. This decrease in income has severely impacted my ability to provide for my XXXX son and daughter, as I am a single parent caring for a XXXX child. 
Due to their submitting a falsified affidavit of service as evidence to the court AND proceeding with garnishment after being informed that the income is from a state-funded program, Francy Law Firm and those that act on their behalf should be investigated for unlawful debt collection practice and enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

cks XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX agreed to remove the collection from all credit reporting agencies XXXX XXXX XXXX etc if I would pay they collection in full which I did on XX/XX/20 they also promised a letter of satisfaction within 6 days never received that either. I paid this debt in full and they need to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2021 requesting to verify the accuracy and compliancy of XXXX XXXX XXXX XXXX # XXXX It has been more than 30 days and I have not heard back from Equifax . Equifax can not verify this account. I want this deleted immediately from my credit report.
Product: Student loan

I have made several attempts to repay student loan to a debt collector ( Coast professional Inc ) with the cares act repayment option. Coast professional is not working with me to make payments and keeps holding up my paperwork with issues in review. When I speak to customer service they say its in review. And I never hear back, and when I call back its still in review, or their is a new problem with paperwork. I cant successfully make a payment on my debt.
Product: Checking or savings account

SunTrust Bank set up multiple accounts for me under the same login name. When I tried to close the accounts, the IT department of SunTrust bank explained the deficiencies in their banking platform that resulted in the difficulty of closing the accounts. First, the system should not have allowed the creation of more than one account with the same login. Secondly, because of the first oversight, when trying to close the account, certain fields in the database schema were unable to be extinguished fully, resulting in the accounts not being closed. To simplify, because of the bank 's oversights and antiquated IT infrastructure, my accounts were not closed when requested. This resulted in overdrafts and fees to the account. 

The manager of the branch assured me that they would take care of the fees since this was not my error. Unfortunately, SunTrust closed that branch ( XXXX XXXX in XXXX, VA ), and this manager was disappeared before fully fixing the problem. 

The account reached a negative balance by accruing fees of approximately {$290.00}, which fortunately did trigger closure of all the offending accounts. Then SunTrust referred that amount to their collection agency, for which they continue to hound me despite my multiple attempts to explain their error.
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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S.C. 1681e ( b ) Compliance and procedures.

( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning their individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signatures on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Creditor Name : XXXX XXXX  XXXX  Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED from my Equifax and XXXX Credit report and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed above. 

I demand that the following be validated or DELETED immediately. 

In addition, DELETE all non-account holding inquiries over 30 days old. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation/ Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Thank you for taking your time to read my complaint
Product: Debt collection

Convergent outsourcing attempting to collect on behalf of sprint. I have requested on multiple occasions over the course of a few years for validation proof. They have refused to validate the debt to me. I've disputed multiple times and request the validation method from the investigation through the credit bearus and still never recieved any validation. It's not right for this company to destroy my credit for years when they have failed on multiple occasions to provide validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize please delete them
Product: Credit reporting, credit repair services, or other personal consumer reports

As XX/XX/XXXX This credit bureas and XXXX XXXX Claimed the did a investigation but that can't be possible if I never gave written instructions XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE MONTHS Credit usagXXXX XXXX XXXX  Balance {$150.00} Balance updated XX/XX/XXXX Credit limit {$450.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Card Payment summary XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Past due amount {$150.00} Highest balance XXXX XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that you remove the following inquiries from my credit report : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX I recently checked my credit report and noticed that these inquiries were made without my knowledge or consent. I have no relationship with the companies who made these inquiries, and I believe that they were made in error.

These inquiries are negatively impacting my credit score and making it difficult for me to obtain loans or credit cards with reasonable interest rates. I take my credit score seriously and have been working hard to improve it, but these inquiries are holding me back.

I understand that credit inquiries are a normal part of the credit application process, but in this case, they were made without my permission. Therefore, I request that they be removed from my credit report. 

I hope that we can come to a resolution that will help to rectify this situation. Please let me know if you require any additional information or documentation from me. 

Thank you for your consideration. 

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

Unverified Account Account Name : XXXX XXXX XXXX   Type : Collections Date Opened : XX/XX/XXXX Balance : {$1100.00} Debt : {$1100.00} Ive disputed this account information as inaccurate with Experian. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract -any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they're unable to provide me a copy of verifiable proof, they must remove the account. 
I mailed a Dispute Letter to Experian. Experian responded that the account being disputed was verified as accurate without providing me with any information on who or how it was verified by. They failed to provide me with any proof that the account belongs to me. I disputed the same account with XXXX, in their investigation no evidence was found that the account belonged to me, so the account was deleted. 

Dispute Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by Experian To assist Experian resolve this issue I mailed my own Request for VALIDATION, NOT Verification letter to the original creditor ( XXXX XXXX XXXX ). I requested XXXX XXXX XXXX to provide me with any proof that the account belongs to me. XXXX   XXXX XXXX never responded. 
First Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by XXXX XXXX XXXX A second Request for VALIDATION, NOT Verification letter was sent to XXXX XXXX XXXX. XXXX XXXX XXXX failed to respond again. 
Second Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by XXXX   XXXX XXXX. 
After XXXX XXXX XXXX failed to response after my second attempt, I mailed a Seond Dispute Letter to Experian. The dispute letter included copies of my VALIDATION, NOT Verification letters that I sent to XXXX XXXX XXXX with proof that they were sent and received Second Dispute Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by Experian Attachments Include : Copy of my first Dispute Letter sent to Experian ( with proof that it was sent First Class Mail with Tracking and Received by Experian ). 
Copy of my second Dispute Letter sent to Experian ( with proof that it was sent First Class Mail with Tracking and Received by Experian ). 
Proof that the same account was investigated and deleted by XXXX. 
Copy of my first VALIDATION, NOT Verification letter sent to XXXX   XXXX XXXX. 
Copy of my second VALIDATION, NOT Verification letter sent to XXXX   XXXX XXXX.
Product: Credit card or prepaid card

Recently I applied for a credit card thru  Wells Fargo  I was approved for the card when I call to activate the card I was told I would need to go to my bank and have the banker call them and I would need a Id. Since their was no wellsfargo banks near me going to my personal bank would be ok. Well did this four times and I live 15 miles out of town after the fourth trip I was told I would have to step into a  Wells Fargo  bank so I drove to  XXXX  Texas which is about a three hour trip from my home to take care of this. I met with the banker their and she was very helpful made copies of my Id and copies of  XXXX  bills they needed. So i left with the understanding all was good then the next day they wanted full pages of the bills so trip back to town to fax the copies. The very next day  XXXX  get a call from a lady that said she never received them I said I have confirmation that you did she said the fax machine was at the other end of the building and she had not looked yet. They kept telling me that a hold had been placed on the card because of recent activity that had been on the card and to activate I would need to call the number provided so we could clear this up we 'll soon as I would call they would tell me that they could not discuss this matter with me that I would need to step into the branch to get it cleared up but the letter I received clearly stated that I was to call them. Each time I was told the same thing. Still I have not got a straight answer because they will not discuss it with me. The lady that had helped me at the  XXXX   XXXX  branch in  XXXX  filled a complaint on them Also. They have lied to me cost me money and time jumping thru all the hoops and they want talk to me about a card that has my name on it yet they are telling me that 's it 's activity on the card but the card has never been activated. Something very shady about this hole deal. I have dates for each event that has taken place emails sent to them And records of all of it. I this normal practice for a bank because it does n't seem Very professional my bank even thought it was strange. Why send me a letter telling me to call them to get the matter cleared up then tell me they can not discuss it with me. Biggest dog and pony show I 've ever seen. Can you please tell me what I need to do. The card is showing up on my credit report and shows the balance but I ca n't use it.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 XXXX XXXX Bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Around 6 months ago Bank of America randomly sends me a letter saying I am 3 payments late and this will be sent to collections. I hadnt used this credit card for a while now and they never sent any letters telling me I had anything due. XXXX XXXXXXXX was the company charging me even after I canceled my membership with them a few months prior to this. I did everything they told me to do and they stated in person that I no longer had a membership with them. So 6 months ago when this first happened I reported fraud since it wasnt me making those charges and Bank of America credited my account but never did anything about my credit score.. and then they opened a credit card again without my permission. When I reported fraud I told them I want to close my account with them and didnt want a new one but they opened one anyways. Now three months ago they send the exact same letter only with a larger amount due thats also three payments late. I called them and said how is this possible, I dont have a credit card with you. I closed it already and the lady said that someone opened a new one after the fraud claim. Ive been to XXXX XXXX numerous times and they tell me I do not have a membership so I do not understand why they continue to charge me. Ive already put up a dispute against XXXX XXXXXXXX. Both Bank of America and XXXX XXXXXXXX caused my credit score to drop XXXX points. If Bank of America had sent me a bill when they were supposed to ( Im not even set up for electronic statements ) then this could have all been avoided but instead they are ruining the excellent credit score I had over their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

it been over 60 days and two tries and nothing
Product: Debt collection

I'm 9 days late on my auto loan payment who I have through Huntington Bank. Today I received a call from them on my cell phone, which i sent to voice mail because I'm currently in my office at work. Immediately after that I receive a call on my office line from Huntington Bank. 
Here 's the issues : 1. I told them when I gave them my office number that it was not to be contacted at any point in time as it violates company policy. 
2. The representative, XXXX made several false statements during the call on my office line : She state that multiple voicemails have been left on my mobile number - not one voicemail has been left She stated that she was allowed to contact me at work to collect the debt - false that violates the FTC regulations She stated that multiple emails were sent - again false because I have not received any She stated that notices were sent - again false I have not receive any communication. 

I'm only 9 days late - so there wouldn't be this amount of communications she is therefore lying which is against the FDCPA. 

When I informed her of the FTC regulations and the violations that she was doing she started to argue and ask me about my payment history, my finances, all of this on a line that they were not to contact me at about personal matters!!! - which is abusive towards me the consumer