23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notice of a $ XXXXmonth wage garnishment from my employer today. The plaintiff is both XXXX XXXX XXXX XXXX and a law office by the name of Cooling and Winter, LLC. 

I called Cooling and Winter to try to find out what this debt was but he, XXXX XXXX, stated he did n't know. I asked if there was contact info for XXXX XXXX and he gave me 3 different phone numbers. One phone number was for XXXX XXXX, XXXX XXXX XXXX, but the voice mail was garbled. There was no business name mentioned or that I could understand. They are saying I owe {$6400.00}, but ca n't tell me why. They are saying that this debt was originally through XXXX XXXX ( XXXX ) XXXX from back inXX/XX/XXXX. 

I was told by XXXX State court that I had received a summons by a sheriff on XX/XX/XXXX, but that is not true. I asked for the sheriff 's name, but she said that it, along with his badge number was not readable and that she would mail me a copy of it. I did not sign nor did I see a summons in XXXX or any other time. If I had gotten this notice back then, I would have been able to deal with it then. As of now I do n't know what this debt is and I ca n't reach anyone who can tell me. 

XXXX XXXX and XXXX XXXX have both been sued by CFPB and the Federal Trade Commission and I 'm sure Cooling and Winter knows this. Especially WHY they were sued. 

I do not understand how my wages can be garnished this fast - the document was signed on XX/XX/XXXX. I do not understand why I was not contacted about this so-called debt that is 16 years old and not even on my credit report. XXXX XXXX nor XXXX XXXX is on my credit report. Cooling and Winter is on my credit report with no phone number listed, but the listing does not show why they are showing on my credit report. There is no debt amount. 

I have spoken with the GA State Attorney 's General 's office and I will be taking the necessary steps to get this fixed. 

I want to know what this debt is about. If I do owe, I need to make better payment arrangements because I can not afford to pay $ XXXX/month for 2 years. I do not make that kind of money. This will cause a hardship for me. 

I do not know what this debt is about and Cooling and Winter will not give me much info and I ca n't reach XXXX XXXX. 

If you call this number : XXXX, you will see what I mean about a voicemail that makes no sense at all. 

I would like to know why Cooling and Winter can only communicate with XXXX XXXX through email and why XXXX could not give me their email address. Why is WHY I owe this money such a secret? How did my wages get garnished so fast? Why was there no attempt to garnish wages after the sheriff supposedly filed the summons back with the court on XX/XX/XXXX? 

Debt was started, according to XXXX XXXX XXXX : XXXX XXXX. Sheriff says he summoned me in XX/XX/XXXX. Got my check garnished for $ XXXXmonth XX/XX/XXXX. All this without any notice from anyone. 

How do I stop this garnishment?
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed employers that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Product: Debt collection

I have sent several letters to medical data system I concerning debt that i alleged owe. They have dupicate accounts reporting on my credit repot thats not legal. I have asked them to proove these accounts and they still havent yet prooved anythig. I also still havent got updates yet within the last 120 days when it should have only been 30 days by law.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts listed on my credit report this morning. I always monitor my report regularly, but this time, there were discrepancies that seemed to appear out of nowhere. Thinking it might be a browser glitch, I refreshed the page, but the errors persisted. This has left me feeling anxious, and Im asking for a detailed review of the documents I sent to prevent this from ever happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


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

XXXX  XXXX XXXX XXXX  XXXX. XXXX XXXX  XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Flagship Cre XXXX, TX XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Debt collection

Approximately 1 month ago, I received a letter from GB Collects, in XXXX NJ. Phone number XXXX. Their file # is XXXX. They indicated that they were contacting me on behalf of XXXX XXXX, and claimed I owed their client, for XXXX, from a year and half ago. I immediately contacted them, and disputed their claim. I asked for physical proof that I owed the debt, and they couldn't provide any. I had XXXX for 2 months, and paid my bills. I then became unemployed, and was able to get Medicaid. I contacted XXXX, and cancelled my insurance. At that time, no one said I owed anything. GB collects calls my phone constantly, and sends me letters in the mail. They have failed to provide me proof, and I asked them not to be harassed anymore, but they continue to do so. Any help with this would be appreciated.
Product: Payday loan, title loan, or personal loan

I borrowed XXXX in XX/XX/2016 my first payment was due XX/XX/XXXX I have made all my payments but one, I called them and set up a skip a payment. That was ok. I made 2more payments of XXXX and on XX/XX/XXXX I hit the pay off bottom and paid XXXX as the website /app instructed me to do. To my surprise the next day they said I missed a payment and charged me an additional XXXX this instantly sickened me. I called them spoke to a XXXX, he was rude he couldn't answer any of my questions he told me I missed a payment and I have to pay it. I ask him why it was more then the original payment, he said it was a late fee. XXXX that is an very large late fee. He couldn't explain why it was so large when the due date was on XX/XX/XXXX 2 days late. They are ripping me off! Moneylion still has not shown the pay off or any part of it on their app / website. I don't mind paying what I owe but I'm not going to be screwed like this. Please stay away from this place. 
I also ask XXXX why my interest rate was XXXX on day and XXXX the next, I checked it every day and it was different every day but never a small amount it was like XXXX increments. He couldn't tell me why. So I hit the pay off button and it was not good for them they wanted me to pay it off when it was at XXXX when I called them the week before.
Product: Student loan

I attended XXXX XXXX from XX/XX/XXXX, graduating in XX/XX/XXXX. I attended a private university, which of course came with a higher tuition rate. Although I did my best to limit loans taken out for living expenses, by the time I finished my XXXX 's Degree I left with $ XXXX- {$95000.00} in school loan debt. I stepped into a field that entry level even with a XXXX 's degree, salary was initially {$35000.00} a year. Fairly immediately, I switched my loan to income based as there was no possibility of paying the standard monthly amount. I have been fortunate enough to continue growth with salary, and therefore increase in payments over the past 9 years. I have diligently paid on time each month, only taking deferment from loan for a short period while I went back to school for an additional field. Through this 9 year period, my loan servicing company has been passed around at least a half dozen times, eventually splitting multiple loan service organizations. I never felt the need to consolidate my loans knowing that the likelihood of my loan payments going down was limited. However last year I was frustrated with organizing 3 different payments to 3 different companies that held my loans and decided it would be helpful to combine. I consolidated my loans to Navient, which mind you one large amount was already being serviced through them after all the passing around without my say. As expected my monthly payment has stayed about the same. I was absolutely devastated when I had learned after already agreement to consolidation that my 20 year loan forgiveness ( based on Pay as You Earn ) was starting over. My 8 years of consistent, monthly, and substantial payments based on my pay and city of residence was wiped away. Navient was anything but helpful or empathetic to my overwhelm, and passed me to student government loans, who then said I had to talk to Navient. I have been keeping up with m nearly {$600.00} payment each month, and am finally gathering my energy to attempt to voice my experience, and attempt to correct what I think was a neglectful support from the loan organizations. Even more devastating, looking at my loan balance today, my balance is {$140000.00}. {$45000.00} more than the day I graduated 8 years ago! I estimate that over these 108ish months of payments, I have paid back $ 43-48,000 which has not only appeared to go no where in the balance, but even further, has been exacerbated by this same amount. This is unacceptable based on how hard I have worked to keep up with payments and stay in good standing with my choices. I feel pushed around and unimportant in this system, and no doubt this is impacting me heavily with no signs of relief.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information associated with my accounts. Upon reviewing my credit report, I have identified discrepancies that require immediate attention. It appears that there are inaccuracies concerning the status of my accounts, particularly regarding file merging and the characterization of my payment history.

I would like to draw your attention to the following account details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request that you update my accounts information to accurately reflect that the accounts have never been delinquent and are closed with a positive payment history.

Recognizing the importance of maintaining accurate credit information, I trust that you will promptly take the necessary steps to address this matter. In accordance with the Fair Credit Reporting Act, I also request a copy of the corrected credit report once the necessary adjustments have been made.

Please confirm receipt of this letter and provide an estimated timeline for resolving this dispute. If further clarification or documentation is needed, I can be reached at the contact information provided above.
Product: Debt collection

I left an XXXX because of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I paid for for a month we were not there and told, in person that we were moving from XXXX XXXX in XXXX XXXX because we were not safe. After 11 months I see a ding on my credit report, I never received a notification from the XXXX or Allied collection, I paid it the next day, problem is I have to move by the end of the month and not one will rent to me because of the infro on the report. Please help, XXXX XXXX, XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and it is affecting me getting credit.
Product: Credit reporting 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 confidentially under 15 USC 1681. 

XXXX XXXX Acct # XXXX. XXXX XXXX XXXX ; Acct # XXXX. XXXX XXXX Acct # XXXX. XXXX XXXX Acct # XXXX. XXXX XXXX Acct # XXXX. XXXX XXXX XXXX Acct # 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 an account without my written instruction.

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 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

Has something on credit that I'm not able to get insurance in my state can't get vehicle insurance so I can't get my license plate sticker renewed and I've been put in jail over bad checks from XXXX bank but XXXX sent me two checks that I can't cash anywhere bank account has me XXXX XXXX XXXX XXXX in the bad and I don't know how or who to get it fixed XXXX won't cash them either and wouldn't even take my XXXX XXXX card when I had money on card to pay for stuff I had to leave without I don't think this is right to be treated like this I don't think this country is what it was when I was younger people just don't get it it's a free country but always about that money free isn't there anymore being treated like a dog pound for checking written because of needs to live is wrong in my book we have needs to live I hate to see where we're doing in a few years if this isn't stopped online banking was my fault but I didn't know it was going to change my life to this I don't even feel alive anymore and just don't care for it is what it is please help
Product: Credit card or prepaid card

In XXXX, 2020, before the problems with COVID 19 appeared, we paid {$61000.00} for a XXXX Cruise using our Citibank Visa card. On XX/XX/2020, XXXX XXXX XXXX ( XXXX ) informed us that had to cancel our cruise due to CDC guidelines. We chose to receive a refund instead of re-booking another cruise next year. On XX/XX/2020, XXXX returned {$61000.00} back to Citibank creating a {$54000.00} excess credit in our account. We called Citibank on XX/XX/2020 and spoke to customer service. They initiated the process to wire transfer {$54000.00} to our checking account and that it would take 3-5 business days. We never received any money from Citibank so on XX/XX/2020, we called Citibank Customer Service again. This time we were told that because it was such a large amount, it had to be approved by 2 different supervisors and that the final approval had been done on XX/XX/2020. We were told again that we should see the money in our checking account in 3-5 business days. Again we never received any money so on XX/XX/2020, we called Citibank customer service and this time we asked and spoke with a supervisor named XXXX. She could not give us any reason why we hadn't received our money yet and she would have to research 2 departments to find out what happened. She gave us no timetable as to when we were going to receive our money but that she would contact us if she found out anything, As of XX/XX/2020, we have received no money and no information from Citibank as to when we will receive our money!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I received a hard inquiry from XXXX XXXX, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX  XXXX in connection with this request ( as I already have one and do not desire anymore at this current time. )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602. A States I have the rights to privacy. 15 U.S.C 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 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports 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.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was shocked to see accounts listed that just dont belong there. I review my report regularly, so I was completely taken aback by these sudden discrepancies. I thought it might be a glitch, so I refreshed my browser, but the inaccurate accounts didnt disappear. This whole situation has been distressing, and Im requesting that my documents be carefully examined to prevent this from ever happening again.
Product: Credit reporting or other personal consumer reports

I made a XXXX XXXX account to track my credit score, upon further review of my credit reports I found that another name was linked to my ssn and reported on my credit report dated as far back as XX/XX/year>.
Product: Credit card

About a month ago, I changed the due date of my Discover card. I am enrolled in Discover 's automatic payment program, and on XXXX/XXXX/15, Discover scheduled the automatic payment of the {$3.00} minimum payment, which Discover showed cleared my bank. However, because apparently Discover decided to withdraw this payment XXXX days after the bill 's due date, they decided to announce a penalty increase of my interest rate, as well as threaten decrease in my " creditworthiness. '' Resultingly, they removed my promotional option to make no-fee 12-month 5 % APR balance transfers.
Product: Credit reporting or other personal consumer reports

During XXXX and after, XXXX kept reporting my student loans delinquent which plummeted my score and caused unnecessary hardship. Today I contacted XXXX to ask if XXXX was still a loan servicer of mine considering I received correspondence from XXXX  saying they have taken on my loans. My rep at XXXX told me XXXX is no longer a servicer and should not have been reporting my payments delinquent as that would be illegal. Nonetheless they still are sending me bills and impacting my credit score. I do not know what to do to stop this.
Product: Student loan

I attempted to pay off all my student loans in two payments in XX/XX/2023 but I could not because MOHELA 's portal was unclear and customer service was unresponsive well after the 3 business days waiting period. Additionally, the portal possibly included incorrect information - I say " possibly '' because they still haven't cleared it the confusion. 

- In early XXXX, I made a small payment to see how the payment system worked. This was successful. 
- I made a large " final '' payment to pay off my entire balance. The process to pay off the loan was confusing because I could not see where to pay for the interest, it only showed me an option to pay for principal. When I made my " final '' payment, I thought it included everything since I was reading off of the amounts in the portal. I logged in a few days later to find that more PRINCIPAL was owed ( around {$60.00} ) - I sent them a secure message through their system to ask how to complete the payment of the interest and to clarify why I had a principal balance when I had paid off all my principle. 
-After sending the message to customer service, I made another payment to clear out the remaining {$60.00}. 
- I logged in again today ( XXXX ) and found that an additional amount is still owed. 
- As of this writing, I have yet to receive a response.

My friend has had similar issues paying off her loan in one go and I have encouraged her to submit a complaint as well. I should have not have to go through so many loops to pay off
my student loans. I have the money to pay off everything now - Imagine those who do not and are forced to work with MOHELA.
Product: Credit reporting

Dis attorney off XXXX XXXX XXXX XXXX XXXX XXXXIs a account that is opened by mistake, this account is in XXXX current and payments are being paid on time for a few years now. XXXX opened the same amount and is reporting negative remarks and late payment history. 60-90 days late payments on a account that 's being paid in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take notice that you will be receiving written correspondence via certified mail. 
This is to inform you that I am conditionally accepting the offer to settle an account ending in XXXX if you can provide me the accounting ledger that shows that you extended me credit. The account that has been sent to charge off status on my credit report was funded by my own federal reserve notes. NFCU never extended me any credit so I do not owe a balance. I utilized my own XXXX which are in no way shape or form of obligation of yours. In addition to you have incorrectly reported this on my credit report as a charge off when the XXXX used to fund the account was never yours to account for so there for you can not lose a charge off a debt as a loss that was never yours. In addition to charge offs are income according to the IRS and I have not received a 1099c in the mail. I will be also submitting this complaint to the IRS XXXX XXXX XXXX for further review. 

I am demanding that you remove this account from my reports. I am also demanding remedy totaling {$700.00} for inaccurate and unfair credit reporting. 

Failure to provide remedy and/or provide me an accounting ledger will possibly lead to litigation.