23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Gc Services garnished my whole payroll check! my first check since XXXX. I received no notice, no warning it was just taken. the account was not in status for garnish. They were only allowed to take 15 per cent from payroll stated from one of their customer service rep. also Legal aid stated that also to me. It was a paper check, no bank involved, therefore they did no bank levy. It was intercepted from IRS. I Would like my funds reimbursted. Date taken XX/XX/XXXX. Amount of check XXXX. I RECEIVED NO DOCUMENTATION FROM THEM before or after. I called GC services company and made payment arrangements, so this wont happen again. I called KY State treasurer,  IRS, Department of Education, XXXX, XXXX XXXX, GC services about this issue and no one would or could assist me.Thank you
Product: Credit card

My PayPal account XXXX was closed in XXXX due to fraud. Although the associated XXXX XXXX account still remained open, I could not access it online because the only way to access it was through my PayPal account, and my PayPal account has already been closed. 

This morning ( XXXX XXXX ), I received XXXX emails saying " You have new transactions on your PayPal Credit account ''. Because I don't have access to the account, I realized immediately that these were fraud transactions. I called customer service immediately. However after XXXX phone calls to talk to different customer service agents, I am still not sure if my issues have been resolved. They communicated very badly, and every time I talked to them, they were telling me different information. To summary, I have XXXX concerns at this point : XXXX. Dispute all transactions made on XXXX XXXX, since they are all fraud transactions. 
XXXX. Close this PayPal Credit account. DO NOT open any new PayPal Credit account under my name. 
XXXX. For the credit balance on my account ( {$140.00} I believe ), send a check of this amount to my mailing address. 
XXXX. Every month, I have a {$160.00} automatically scheduled payment to my PayPal Credit account. I need to cancel this auto pay since I don't want to keep overpaying my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I have seen numerous items on my consumer report from XXXX and Transunion that are not suppose to be on my consumer report I am disputing the following items 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 
The only name that is suppose to be on my consumer report is XXXX XXXX I do not want my social showing on my consumer report that is a privacy act of 1974 issue and that number belongs to the Social Security Administration its illegal to steal and sell identity per 15 USC 1028 A. I am disputing all telephone numbers because I have never had any of the numbers that is listed. And I do not want any phne numbers listed on my consumer report .I opt of out any promotions of selling my information soft pulls and hard pulls per 17 CFR 248.125. The only address that is suppose to show on my report is the one that is on the identity theft packet that is attached to this complaint. According to 15 usc 1681 c-2 ( a ) Transunion and XXXX have 4 days to block the information that I am disputing from my consumer report due to identity theft I do not need to fill out any other information other than what is stated in 15 USC 1681c-2 ( 2 ) Identity theft report which is attached to tis complaint. I have never obtained any goods or services from any of these companies I am disputing .There should be no inquires, no other addresses other than what's on my consumer report and I do not use any aka 's and no other names. I have been a victim of theft while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its sad that I can not obtain anything due to this identity theft i continue to face.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 Section 602 A states I have the right to privacy ; 15 U.S.C. 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my prior written consent. I have not consented to this transaction ), the following listed accounts have violated my rights : XXXX, XXXX. Acct # XXXX XXXX, XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX - XXXX XXXX Acct # XXXX US DEPT. OF EDUCATIONXXXX Acct # XXXX US DEPT . OF EDUCATIONXXXX Acct # XXXX US DEPT . OF EDUCATIONXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Bankruptcy Reference Number : XXXXXXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX
Product: Debt collection

I first received a bill for I believe over {$3000.00} worth of damages from XXXX XXXX XXXX XXXX  that were mine. I told XXXX that I was shocked to hear this as I did not damage the vehicle at all. After contacting my former insurance company ( XXXX ), they investigated the matter and found that XXXX failed to conduct a final walk-thru with me, therefore I was not liable to pay anything because there was no proof that the damages were done by me. 

One XXXX was made aware of this, they sent me a bill for the {$750.00} stating that this was the amount I owed for the damages done to the vehicle. I explained to XXXX that XXXX XXXX notified them and myself already, stating that I did not owe any money due to there not being any proof that the vehicles damage came from me. XXXX continued to send me bills for {$750.00} for which I was told I do not owe and will not pay. Currently, the bill is with Transworld Systems Inc., a debt collect agency.
Product: Credit reporting or other personal consumer reports

I was shocked this morning to see incorrect accounts on my credit report with no explanation. I check my report regularly, but this time, unexpected discrepancies appeared out of nowhere. I even refreshed my browser to see if it might be a glitch, but the errors remained. Given this issue, I'm requesting a thorough review of the documents Ive submitted so I can finally stop worrying about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like some intervention because XXXX is not at all coopertaing with providing an actual investigation and correcting my items. I have notifieid them of these inaccuracies as well as sent the physical proof from my credit report to back up my claims ( see report attached ) and still nothing was done. How can they continue to " verify '' these inaccurate items when I am continuing to send them the proof? This is 100 % against the regulations of the FCRA and now these items must be deleted immediately. 

Here is the main issue : Selene Finance XXXX XXXX is reporting this account as paid. 
XXXX is reporting this as 120 days late with a monthly payment of {$1800.00}! 

There has been no update on this account since XXXX of XXXX and does not even include an original amount or the required notice of dispute. How can I be 120 days late on an account that has been paid? The status must reflect this and there should be no monthly payment once an account is closed, let alone paid. How am I still paying on an account that is closed and paid? 

The secondary issue is that they are reporting this XXXX account that I was late on dates that I do not agree with and I know for a fact that they are not allowed to parrot what the creditor is saying, so my question is : HOW are they verifying these late payments on XXXX, XXXX and XXXX XXXX, XXXX XXXX and XXXX XXXX?! I can say with 100 % certainty that I was not late on 3 of those dates!
Product: Credit reporting or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over XXXX days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax XXXX XXXX and may have got into the hands of the wrong person
Product: Checking or savings account

I opened a savings account with Credit Karma in mid 2020 in the amount of {$100.00}. I check the balance about three times a year. Fast-forward to today, I am unable to find my account. There is no contact number and waited almost an hour to have an agent connect with me. After waiting for almost an hour, I was transferred to another person. I am yet to access my account. 

I keep being transferred without agents informing me I am being transferred.The chat reads, I requested to be transferred when I did request to be transferred. 

I still do not have access to my account, no resolution made. 

Communication initiated in the chat feature at XXXX and I ended up leaving terminated the " support '' at XXXX.
Product: Credit card

ACCOUNT NUMBER : XXXX CATEGORY TYPE : Account Inquiry XXXX My interactions with two customer service representatives, who appeared to be outside the XXXX, were XXXX by a distinct lack of transparency. They were unwilling to share their information, yet they demanded all of mine. I have complained with XXXX, XXXX # XXXX, and XXXX, XXXX # XXXX. 

I have also filed a complaint with the number XXXX and am eager to learn the outcome of these complaints. The actions of the customer service representatives are questionable and contribute to a fraudulent environment, potentially endangering consumers ' identities.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection law, and i request your assistance in investigating this matter to ensure my rights are upheld. Please and thank you.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The unfavorable rating on my account is a source of great anxiety. I'm deeply concerned about its potential consequences for my creditworthiness. This negative mark has already led to a rejected loan application and elevated interest rates on my existing credit accounts. I can not overstate the financial burden and emotional strain this adverse rating has inflicted and will continue to inflict until it's addressed.
Product: Debt collection

This account is not mine, I don't authorize anyone to use my account, Please remove this inaccurate account. 

1. XXXX XXXX Account Number : XXXX Bal : {$4500.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$80.00} 4. XXXX XXXX XXXX XXXXXXXX XXXX. 
Account Number : XXXX Bal : {$690.00} 5. XXXX XXXX XXXX Account Number : XXXX Bal : {$490.00} 6. XXXX XXXX Account Number : XXXX Bal : {$1000.00} 7. XXXX XXXX Account Number : XXXX Bal : {$480.00} 8. XXXX XXXX Account Number : XXXX Bal : {$1100.00}
Product: Mortgage

This complaint is in regards to the offer of a trial modification. Payments of {$1300.00} for 3 months starting XX/XX/XXXX through XX/XX/XXXX. I can not afford to pay this. On XX/XX/XXXX, I spoke with XXXX of the Relationship Manager Department. ID XXXX. The payment of {$1300.00} is unreasonable. I need a payment between the 25 % - 31 % range of {$750.00} to {$800.00} per month. This Streamline Modification does not work for me. XXXX XXXX XXXX, Relationship Manager called me on XX/XX/XXXX regarding the Modification Agreement. XXXX XXXX stated that the Interest Rate would remain the same at 4.125 %. The arrears would be put on the end of the loan, and there would be a balloon payment at the end. I explained to XXXX XXXX, that I could not afford this payment. XXXX XXXX also proposed a Down Payment of {$2600.00} then payments of {$1800.00} per month for 12 months to repay the arrears. This is totally unreasonable. I can not afford this Repayment Plan as proposed by Ocwen/XXXX XXXXXXXX XXXX. I spoke with XXXX XXXX of NACA, who is an advocate on my behalf with Ocwen. XXXX XXXX did not appear to see my stress with these proposals which were made by Ocwen and Representative XXXX XXXX. XXXX XXXXXXXX, Supervisor at NACA will visit with Ocwen on XX/XX/XXXX and will present my proposal to Ocwen. XXXX XXXXXXXX did not give advice that is helpful to me as my advocate. XXXX XXXX said she would call me after she speaks with Ocwen on my behalf. I need help from CFPB to assist me to keep my home, and assist me in getting a good interest fixed rate or leave the interest rate the same and lower the principle, and reduce my payments for the duration of the loan to {$750.00} per month Fixed. I have requested the name and address of the Investor/Investors who hold the loan, and have been denied this information. I am updating this request as of today 's date. Please send me the Investor/Investors address, name, telephone number who holds the mortgage for the captioned property. This is my second complaint filed against Ocwen Loan Servicing, LLC and the Investor/Investors who hold the mortgage.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a notice from my Credit monitoring through my bank that I had a hit on my credit report from XXXX XXXX from XX/XX/XXXX. I called their Customer Support team to get information as to why, they verified that I only had my XXXX card through them that I had opened in XXXX and that they had not completed a second inquiry, and even checked with their new accounts department in case someone had tried to do it that way both departments verified they had no inquiries pending or applications. They did however state that this was likely XXXX of XXXX things a fraudulent inquiry or someone had tried to open either a store card or some sort of airlines card with my information as they had no way of checking that in their system. I have no way of narrowing down which of the many companies this could be. My TransUnion had let me know that my information was in the dark web earlier this month but due to me trying to purchase my first home I was unable to freeze my credit this month so that I would be able to access the mortgage loan when necessary.
Product: Credit reporting or other personal consumer reports

Improper use of my information due to a data breach and fraudulent accounts were opened without my permission or knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting companys equifax XXXX  XXXX. They have reported credit info on my report that i have asked to remove many many times. Either the account is old and pass the 7 years and or the account is paid and dont use the company anymore. Or they have deleted crediors on my reports and then they place them back onto my report after removed. They have done this many many times. I have asked to remove it. And they dont.
Product: Credit reporting or other personal consumer reports

Subject : **Dispute of Inaccurate Information and Request for Removal under 15 USC 1681** Dear Sir or Madam, I am writing to formally dispute the inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681i , which mandates that credit reporting agencies must ensure the accuracy of the information they provide.

The following accounts are inaccurate and/or incomplete and should the investigation come back determining as such, they must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These items are incorrect and must be removed from my credit report. I am requesting that you immediately investigate these inaccuracies as required under 15 USC 1681i and, upon verification of their incorrect nature, have them removed from my credit report.

I trust that you will comply with your obligations under the FCRA and resolve this issue promptly by removing the inaccurate information from my credit file. If this dispute is not resolved within the legally mandated time frame of 30 days, I may pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies.

Please confirm in writing when these items have been removed from my credit report.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account XXXX  # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account XXXX XXXX XXXX Account Number 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
Product: Vehicle loan or lease

Ive been with Santander for about 4 years and 1 month. They recently came and got my car this week. I have missed payments but I was still trying to communicate with them and tell them why I was missing payments. Which was because of being on leave from work with no pay. And I recently just got put on leave again with no pay at all. So I wasnt able to make as much payments. When I did make payments I couldnt see my past due balance on my account because Santander had it to where I couldnt see the past due amount. I put money on on my account and didnt know where the money was going. They charged my account off In XXXX and didnt come get the car until XXXX. They also have so many delinquent accounts on my credit but never decide to repo the car until this week. I also notice that its lawsuit out and Im dealing with the same situation as it says in the lawsuit. I talk to one person they say well I can try to do a certain thing to fix the situation and another person says something different! Im just trying to figure out the best way out of this situation. I feel as though I wasnt done wrong by this Santander company as well. I have had the car 4 years and 1 month and They decide to come get it after 4 Years of having the car. That shouldve been half way paid off by now but I didnt see a difference when I was putting money on it. Also, the woman I spoke with early this week said I made a payment in may but didnt say anything about the payment I made on XX/XX/XXXX as well. I cant say the recent payment on my account either.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered items that I did not recognize or apply for. Upon further investigation, I realized my personal information was exposed in more than one data breach. I have no recollection of applying for this account in question as they are negatively impacting my credit. I am demanding these inquires be removed from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQURIES AND ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PURSE AND SOCIAL SECURITY NUMBER AS WELL AS MY ID TO OPENT THESE ACCOUNTS IN MY NAME I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Student loan

I received a letter from Loan Science about a student loan I co-signed for on XX/XX/year> billing me for {$7500.00}. Student is no longer enrolled in school to my understanding loan is settled.
Product: Credit reporting or other personal consumer reports

I checked my credit today and noticed XXXX inquiries that I do not recognize they do not belong to. 

XXXX XXXX  XX/XX/year> - XXXX XXXX XXXX  XX/XX/year> - Experian XXXX XXXX XX/XX/year> - XXXX XXXX XXXX. XX/XX/year> - Experian
Product: Debt collection

I am receiving letters from First National Collection Bureau for a debt that has been paid and does not show up on my credit report.
Product: Money transfer, virtual currency, or money service

this about my apple card, I received an email about 3 weeks ago that a new card has been sent to me, but i never received the card. Today I got another email to activate my card, which i never got and was not supposed to get a new card because my Apple card is working and not expired yet. I have contacted Apple card support right when I got the first email about a card been sent to me, also today to notify them of the second email I got today. I was told by Apple card rep. to notify you as well. 


Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account was charged off as of XXXX XXXXXXXX XXXX XXXX charged off my account and placed the debt with a third part collections agency. However, after the charge-off they did not provide me with my 1099-C as required for any amounts over {$600.00}. XXXX XXXX  is actively refusing to give me my 1099-C and continuiung to make collection efforts even after charging off the debt in XXXX XXXX. 

I have contacted XXXX XXXX  myself on multiple occassions, to request the 1099-C, as only the original creditor can issue that document, and I have been told they will not issue me a 1099-C even though, the account is charged off on my credit report.