23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was not aware of a lawsuit until my wages were garnished in XXXX ( {$680.00} ). This has happened again where my wages have begun being withheld. This company sued me for a car that was returned to them in XXXX. I did not get a chance to defend myself in this matter. I was a co-signer for the car and I am being specifically targeted. This company destroyed my credit by reporting negatively for at least seven years. It was up until XXXX that they stopped reporting. This company filed paperwork years ago and unethically garnished my wages. 

This has hit my family and I at the worst time of the year. This has caused me a lot of stress and anxiety. I recently acquired a job that can help me take care of my family and now I can not do that. I cant afford to pay my bills, my electricity has been shut off, I cant pay my rent, insurance, or even purchase basic necessities. Now because of this company my family and I are facing a possible eviction. Living below the poverty level is hard enough. Now the amount they are currently garnishing has pushed me further down below the poverty level.
Product: Debt collection

On XXXX XX/XX/year> I was made aware of the debt as I never recived a letter of the debt as I had left the orginial address I was not aware of the debt for over a year. Upon discovery I called and let the company know there must be a error because I moved out due to XXXX XXXX and there had to be a mixup. I requested via fax XXXX XX/XX/year> them send the orginial contract and the itemize ledger to prove to the agency that the creditor is asking for money beyond my XXXX  date so there was no possible way I could owe. The debt collector never sent the requested information and I sent a follow up fax stating I never recieved my requested items to validate the debt. 

Fastfoward alot during my new duty station I lost track of following up with this debt .. and began working on removing this from my credit and the company informed me they would not speaK with me because they said I authorized a legal representative from XXXX  which was not true and I informed them myself that this was not correct I did not authorize legal representation from them. They told me I would need to contact them to release the representation but upon calling XXXX they informed me the debt collector is stating they needed to XXXX XXXX  they needed me to authorize them to represent me by providing them with a 5 digit pin which I never provided. I am using 5 lakes for other finaicial related issues but not this collection. XXXX XXXX  informed fco they are not representing me and still refuse to speak to either of us. theyve provided my information to an unauthorize 3rd party fco is using extreme tactics such as no proper notification, refusal to validate debt, and extreme avoidance to stick these fraudlent debt to me. the debt was never validated and when I pointed it out fco never responded to my second fax. I forwarded all my mail to my new address but still never recieved a response. FCO is not abiding by fair trade laws and I am being victimized to fradulent debt its ruining my chances to provide for my self and family
Product: Credit card or prepaid card

In XXXX I applied for a new credit card to assist in credit card debt. The offer was received in the mail from HSBC for 0 % apr for 15 months on balance transfers within 60 days of account opening. There were some delays in application being approved due to a previous fraudulent incident in my name. There were extra steps taken on HSBC side to ensure I was in fact who I say I was. I recieved my card in the mail weeks later and was welcomed to HSBC, within this package was my credit card and Account information. Until I rec 'd this information I could not use my card, they was an activation code given in yet another piece of mail that was rec 'd days later. On XXXX XXXX I was able to use my card after activation. I then wanted to make a balance transfer, on XX/XX/XXXX I made this balance transfer. I was not notified that I was outside of the 60 day window and assumed I was not. I received my card welcoming to use my account on XX/XX/XXXX. It is not clear when this account was opened. The next month 's bill arrived and I was charged finance charges of 15.24 % on a balance transfer I thought was 0 %. I contacted the HSBC, there is no customer service # to talk to someone regarding this type of charge, I had to result to chatting. I chatted for over a XXXX hour and was told the 60 day window ended on XX/XX/XXXX., hence the finance charge and not receiving the 0 % on balance transfer. I asked why this date is chosen to end XX/XX/XXXX and was told my account was opened on XX/XX/XXXX. HSBC representatives were not willing to waive this finance charge due to being 24 hours late in transferring. Unbeknownst to me I had no idea my account was opened on XX/XX/XXXX and I could actually have completed a balance transfer on this same date. Very unrealistic seeing I could not use my card until activating with a secure pin # received XXXX. I believe this credit card company is misleading in stating account open, this credit card company should state account opening date somewhere on your credit card statement. This credit card company should state clearly what the balance transfer fees will be at the time of transaction base on the days of account open. This was a trick and a trap for me as a consumer and I believe would be for most consumers.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of a fraudulent credit inquiry listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have this unauthorized inquiry removed. 
The inquiry in question is as follows : Inquiry : XXXX - Date : XX/XX/year>
Product: Mortgage

Only 3 mayor banks operate in Puerto Rico and they are regulated by the Federal Reserve System. These banks are Banco Popular of Puerto Rico, XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. With regards to property insurance, barrowers are ONLY required to provide banks with evidence of dwelling or homeowners insurance coverage. Contents and liabilty insurance is NOT required. However, these 3 banks and their wholly owned insurance subsidiaries which operate as general insurance agents in Puerto Rico are annualy generating millions of dollars in commission base fees by including contents and liability insurance on policies forced placed by them when barrowers fail to provide the banks with evidence of dwelling insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies failed to respond to my debt validation letter within 30 days to verify the account in question
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

My cousin falsely used my identity and signature to get a lease from an apartment complex. She didnt pay rent for 8 months and did damages to the unit. Now she owes XXXX in collections to the company and my name is on it as well. Ive spoken with the apartment company and got all the documents that they have. She signed the documents electronically due to covid.
Product: Student loan

In XXXX of XXXX I began receiving notices from Ed Financial ( my loan servicer ) that their records indicate that my last scheduled payment had not been received. Initially I ignored this because I knew that I had made the payment and had BEEN making payments even through the Pandemic when people were able to stop school loan payments. When I received another letter in XXXX stating the same thing and showing a bill for double the loan payment I called Ed Financial. 
The customer service representative told me that they had not received payments from me since XX/XX/XXXX. I said that's a lie because I have my bank statements show otherwise. I asked her where my money has been going. She told me that they had undergone some changes to the billing address ( which I was never notified of ) and that there may be a delay since I make payments to a no longer used account. I told her someone is taking that money because it is being removed directly from my checking account just days after I post the payment. I demanded to be sent a print out showing my payment history and she told me I would have to go to my bank and get check stubs or anything else to prove TO THEM ( Ed Financial ) that I had been paying. I also demanded to know why my total outstanding loan balance is STILL over {$100000.00} DESPITE having been making payments since I graduated from school in XXXX. During that period of time I had only two BRIEF periods of loan deferment but began paying as scheduled when each ended and have been doing such for YEARS. She basically told me she was not able to give me that information and I demanded to speak with a supervisor. I was told that I would get a call in 48 hours. That never happened ... .HOWEVER they did send me an accounting of all of my payments going back to XXXX when I consolidated my loans into one payment. It is CRYSTAL CLEAR that I have been making payments for YEARS and if you look at this accounting you will see instances where the balance jumps HIGHER despite my payments. I need you to PLEASE look into this account and find out how they have been mishandling my loan payments all of these long years and why 27 years after graduating from school and MAKING LOAN PAYMENTS CONSISTENTLY that I have a balance that is literally HIGHER than when I started? Where has the money that I have been paying been going? There is not THAT much interest in the world at 4.5 % Please HELP uncover this fraud and let what I actually owe be reflected once and for all.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX Experian 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, credit repair services, or other personal consumer reports

have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting or other personal consumer reports

Some thing about a XXXX  bill thats not my Im already a XXXX customer like it dont make any sense and I never stayed at the address that the representative told me was on the account
Product: Money transfer, virtual currency, or money service

Western Union headquarters in XXXX Colorado, refused to refund my money orders after they were stolen from The mail box in XXXX in XXXX XXXX City. Western Union stated that they would pay me for the lost stolen money orders, then then recently ( XXXX ) they said they won't pay me because I submitted the information for the stolen checks to last and the the bank they are affiliated with refused to pay them for the stolen check. Western Union verified that the checks were told sent me all the stolen checks information and stated they would pay. Currently the XXXX Police Department is investigating this case and also contacted Western Union and wondering why Western Union after 2 years refused to pay me my money back. The XXXX Police Department in the XXXX, stated they are going to arrest who ever stole my money orders and will keep in contact with me. Western Union told me to contact the bank where the checks were cashed and ask them to reconsider paying me ( I should not have to do that ). I am XXXX years old and I need the {$2000.00} plus money order money stolen and refunded to me.
Product: Checking or savings account

XX/XX/12, Got a fraud call from someone who spoofed my bank 's phone number who claimed there was fraudulent activity on my account where supposedly a user had hacked into my account and was sending themselves money through XXXX. How the only way to dispute the money sent was to send to said user for it to show up on my bank 's system. Sent a {$2000.00} transaction and a {$1500.00} transaction to XXXX. They knew my address and full name on the card. Called bank later to find out it was a scam. Bank filed a claim and said I most likely would not be returned my money. My bank is US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fr purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked in the XXXX, XXXX XXXX breach and my information was used to open up fraudulent accounts & inquiries. I am a victim of identify theft, I am in distress, I have suffered tremendous pain due to negligence of all 3 bureaus along with XXXX XXXX leaking out my personal information causing losses in many ways. I am allowing 3 business days of an internal dispute. I am seeking {$10000.00} for all the damages caused by your companies. I have filed a litigation, contacted the FTC, and many more to assure. The Fraudulent accounts/amounts : XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX {$25000.00}, XXXX. XXXX XXXX XXXX {$12000.00}, XXXX. XXXX XXXX  {$12000.00}, XXXX. XXXXl XXXX {$340.00} The fraudulent inquiries : 1. XXXX XXXX, 2. XXXX, 3. XXXX XXXX, XXXX. XXXX, 5. XXXX XXXX, 6. XXXX XXXX XXXX, 7. XXXX XXXX, 8. XXXX XXXX XXXX, 9. XXXX, 10. XXXX XXXX, 11. XXXX XXXX, 12. XXXX XXXX, 13. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote numerous letters on these following dates to resolve this issue, on XX/XX/2022, XX/XX/2022. They responded past 30 days and have never sent me proof that this account belongs to me. I sent documents a proof of incarceration letter to show them that it wasnt me.
Product: Checking or savings account

Account been closed because of fraudulent activities on XXXX, I reported this on XXXX multiple times & also in person.bank did nothing & closed my account
Product: Credit reporting or other personal consumer reports

Experian is reporting an account inaccurately on my credit report. Experian has the " LAST DAY ACTIVE '' section reporting as XX/XX/XXXX on my report but XXXX has it reporting as XX/XX/XXXX. They can not BOTH BE RIGHT. How can you have XXXX different reportings if your getting your information from the same source.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$97.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$97.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$770.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXXXXXX , OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent exactly the forms that i was given by Identity thieft. org and experian says they are in the wrong format lady on phone would not explain what format they needed to be in. very rude, i asked for supervisor and was hung up on
Product: Mortgage

I mailed an insurance settlement check to XXXX for a settlement involving damages that were completed. XXXX requested a copy of the settlement agreement. I complied. The settlement agreement was mailed on XX/XX/2018. The XXXX representative advised me that processing would take up to 10 day. I waited. In early XX/XX/2018, I called XXXX to check on the status of the settlement check. At this time, they requested an inspection for damages unrelated to the claim in question. I complied. The inspection was completed XX/XX/2018. I was told that processing the settlement check after the inspection was complete would take 10 days. I waited. I called today, XX/XX/XXXX, and was advised that I had to provide receipts for the repairs that were inspected and granted a 95 % completion status. I advised that the documents were submitted with the original insurance claim check as this is an ongoing claim that went to litigation with the insurance company. I advised XXXX that the repairs were completed in XX/XX/2018. The requested documents, receipts, etc. were submitted when the original claim check was processed without incident. I advised XXXX that the settlement check was for the same damages that have been inspected twice. 

I asked to speak to a supervisor and was placed on hold for 30 minutes. At this time, I am requesting assistance to ensure that XXXX is working in Good Faith and to ensure that no rules, policies, statutes or laws are being broken. Your assistance is appreciated.