23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2024 my wages began being garnished by XXXX XXXX XXXX. I owed {$970.00} for a debt on my Military Star Card. Over the next few months my checks were garnished to satisfy the debt, however, there reached a point in which I began over paying the debt. 

- XX/XX/2024, I first made contact to XXXX to inquire about why I was still paying the debt. They replied that none of my payments were applied to my account. I called XXXX who has been sending XXXX the checks, and confirmed with them on the phone that they absolutely have been cashing the checks. 

XXXX XXXX XXXX makes contact with XXXX supervisor who then provided two emails to send proof of the checks a request XXXX made. XXXX sent over the copies, but XXXX claimed they could not open them. XXXX sent me the checks to send to XXXX. 

XXXX XXXX XXXX XXXXXXXX confirms the receipt of the checks and that they have located the checks, however, now they claiming they need my employer to reach out to them. At this point XXXX has all they need, and confirmed they have what they need to apply my checks to the account to stop the garnishment, but they are slow walking this. 

-Now they want my payroll to call XXXX XXXX for employment verification to stop a garnishment that has been overpaid. 

-I believe they are aggressively feeding off people who do not have the means to hire an attorney and after a certain time just want to stop the garnishment so they just pay it over the phone using a debit card so now they get additional money from the cashed checks they claim they cant find, but they now get more money from a debited account. I think they have found the perfect loophole to pay themselves and pray off of people that are not fortunate to do much about it. They are stealing from me at this point and they are fraudulently claiming my employer needs to reach out to them to stop the garnishment after finding the checks.
Product: Credit card

I received a letter from Barclay Bank regarding a XXXX XXXX XXXX XXXX I once had. This card was paid off in XX/XX/XXXX and cut up. The letter I received indicated my " account '' was 90 overdue and the had " closed '' my account. I had no idea a charge was made against this account as I had received no phone calls or letters previous to this. I initially thought I was a victim of identity theft so I called the number on the letter and only got a recording in which I could give and receive my account info which indicated the account was closed and I had a balance of over {$160.00} I was alarmed to I managed to find my old access code and password to the account and went in to look at what had occurred on my account. What I found was a XXXX XXXX annual membership charge in XXXX, XXXX of {$25.00}. I checked with my XXXX XXXX XXXX online merchant site account and it indicated there was NO default payment listed. I emailed Barclay Bank indicating I had not be made aware of this charge via a statement. I forwarded a payment immediately for the {$25.00}, explaining the situation ( which I have copies of ) and they responded by telling me basically " it was n't their fault '' and they " can not wipe out the interest charges ''. I have an excellent credit rating ... last checked was XXXX and I am never late on any account. I am mortified about this ding on my credit which I feel was not my fault. I feel a charge was made to this account without my knowledge and was purposely held back to accrue all these late fees before notifying me by mail of the issue after 90 days. Also, I suspect the originally XXXX XXXX XXXX XXXX has expired and therefore any new card was never activated so how was this charge accepted in the first place? I only want the interest charges removed and any dings these people have made to my credit score repaired. I definitely feel I am a victim here and Barclay Bank is refusing to work with me on this. How was I suppose to pay an account charge on an account I had n't used in over 3 years without even knowing the charge had been made? 
'
Product: Debt collection

I am being sent to collections for a debt that was never owed. The leasing agency provided a rent concession for my first month of tenancy ( XX/XX/XXXX ) and this reappeared on my account throughout my lease. Despite written communication with the property manager which confirms that this was made in error, I now have debt collectors attempting to contact me. I received a final account statement and received my security deposit. It has now been over a year since the original charge was made and they are unable to get their finances in order to settle my account. Debt collectors do not have the correct birthdate
Product: Credit reporting or other personal consumer reports

This is an ongoing problem with TransUnion that is owned by XXXX  XXXX XXXX. XXXX  XXXX XXXX continues to allege I owe them a credit card debt but it is XXXX  XXXX XXXX who owes me. TransUnion has repeatedly claimed to have 'verified ' and 'validated ' this debt without showing me one piece of evidence to justify their reporting. " XXXX  XXXX XXXX said so ''. is their response. This is not acceptable and violates many areas of the FCRA.
Product: Debt collection

My credit score dropped by XXXX XXXX  and I had to search for information as to why. I then received a letter at my father 's home who has XXXX and responded to the letter which he opened and informed the company to provide me with information. They addressed the letter as my name missing the initial after informing then I shared a name with him and I was a junior. After this they sent me very brief information without the information I asked for and I offered to pay 50 % of the debt however when addressing the next letter to use my full legal name as my father does not need to see my mail nor my mother. They replied with sending the letter to my father who read my mail yet again refusing to adhere to what I informed them and to address me and not my father. I now have an email threatening legal action if I don't adhere to their offer and settle through debt. Fair Debt Collection Practices Act ( FDCPA ) it is against the law t I contact a family member with personal information if I do not live with them. They not only violated this law but have done so repeatedly by refusing my request. This company has also been sending emails as I have requested to address me using only 1 method by mail. My father is also a XXXX  and not only is this abuse of contact infuriating to myself and my family from my research this company has a track record for breaking the law and something should be done. Have they not been held accountable and continue to do the same tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with the following credit bureaus : XXXX, TransUnion, XXXX  all in certified-mail format. Enclosed were detailed information about inquiries, erroneous information and XXXX XXXX XXXX when they have received a judgment against them for defrauding consumers with these credit bureaus will not remove this information from my credit profile. An addition to all the inquiries I challenged as inaccurate information. I have disputed them numerous times on their websites and by certified mail. I am reaching out to get this matter resolved ASAP so as to improve my quality of life and receive the credit I have deserved and earned.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED MANDATED UNDER THE FCRA IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE IMMEDIATELY SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE ( 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 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 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 XXXXo your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history I have asked to have them updated to paid as agreed, paid on time, never late. This did not happen. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH ACCOUNT LISTED TO PAID ON TIME, PAID AS AGREED, NEVER LATE. YOU HAVE 15 DAYS TO UPDATE THE PAYMENT HISTORY OR I WILL BE IMMEDIATELY SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX, SS # XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion XXXX XXXX and XXXX credit reporting agency . I request that you ( CFPB ) block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 


In accordance with the Fair Credit Reporting act, these in accurate accounts consist of all hard inquiries such as accts from XXXXXXXX XXXX XXXX XXXX XXXX bank XXXX on XX/XX/XXXX, also XXXX XXXX ( XXXX & XXXX ) on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ( bank ) on XX/XX/XXXX, XXXX ( bank ) XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX ( bank ) on XX/XX/XXXX .All the accounts are falsely listed with wrong dates and account numbers on my XXXX, Trans Union and XXXX XXXX credit profile. I would like these hard inquiries deleted with in XXXX days of receiving this complaint. 
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: Consumer Loan

I have an auto loan with Mercedes Benz Financial Services ( MBFS ). We overpay a little every month, and for a year and a half the overpayment has been applied to the principal. Starting in XX/XX/XXXX, none of our payments has been applied to either the principal or the interest. Instead it has been put into an overpayment account without notifying us ( because of overpayment next payment is not due until XX/XX/XXXX ). When I called them they told me that was their policy but could not answer why they changed it without notifying us. They could also not explain why I would be sending the payment if not to apply it to the principal and interest. They told us we would have to add a note to every payment telling them to apply it to the principal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account names 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 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 Also States, No consumer Reporting Agency can not Furnish any Account without my written consent.

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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s - 2 [ A ] [ 1 ] No consumer reporting agency shall not furnish any information relating to a consumer to 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 concerns, You are in violation of my rights and consumer laws.My personal information was involved in the data breach in which I've advised XXXX, XXXX and XXXX several times.I am a victim of identity theft. Accordingto the CFPB my rights are in violation of : 15 U.S. Code 605 15. U.S.Code 6801 15 USC1692c 15. U.S.C 6802 You are in violation of my rights. 


CC : FTC CC : CFPB Please delete the following inaccuracies immediately : XXXX XXXX XXXX- {$0.00} balance XXXX XXXX XXXX - {$2900.00} XXXX - {$18000.00} XXXX XXXX - {$20.00}, XXXX XXXX XXXX XXXX XXXX reporting closed but acct type says open
Product: Vehicle loan or lease

We went in to XXXX XXXX XXXX in XXXX and purchased a van. We told him we didnt have money for the down payment and started asking about our cars. With a lot of pressure we signed a contract the next day we told him that we werent able to afford that. XXXX the manager said pay or go to collections. So XX/XX/XXXX we had to go sell our XXXX to the dealer and pay the deposit. Monday XX/XX/XXXX we receive a letter saying are contract was canceled. We try returning the van and they said no.
Product: Debt collection

Very rude company who dont have the right to collect or report medical information on my behalf has broken so many laws hipa is XXXX of them. Ive never seen or saw a collection bill or notice from this company. I never signed any contract with this company. This is against cfpb law. I would like this acct removed. I would like to see a contract with my signature on it.
Product: Debt collection

Ive received several phone calls and voice messages from a company by the name of Hunter Warfield. Each time they left a voice message, they spoke very fast and unclearly about who they were and what number I could call back on. They phone number they did provide was much different than the one that appeared on the screen when they called. On XX/XX/XXXX, I received another call and voicemail at XXXX. I called back at XXXX pm and spoke with a man that told me I owed approximately {$1000.00} for potential gross rent. When I asked what it was for, he stated that I was the guarantor on a contract and that I owed this money. 

He could not reference the exact contract nor the section of the contract that indicated I was responsible for such fees. The representative also failed to mention the name of the company I allegedly owed this debt to and did not offer to send me a copy of any statements regarding such debt. I assumed he was referring to my late fathers apartment complex. I informed him that my father passed away XX/XX/XXXX and that his belongings were cleared out of the unit by XX/XX/XXXX. The key was returned to the management office the morning of XX/XX/XXXX. The rent was paid in full and up to date until the end of the month. I offered to send in a copy of the proof of death which the property management already has on file. The Hunter Warfield rep stated that he was sorry to hear but that I still owed this debt because I signed a contract. He also stated I didnt need to send anything as his company would reach out to the property manager. 

To date, I have not received any bills or notifications from the apartment complex that any money is owed to them. I have not had time to fully mourn the loss of my father and to receive calls barely 3 months after his passing, from a debt collector about a debt I have no knowledge of is insulting and disrespectful. I will seek legal action if I continue to get any calls or see any negative items placed on my credit report as a result of this torment.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Equifax compromised 143 million American 's personal information and made them extremely vulnerable to identity theft, and then making the security monitoring offer available only by going onto a 3rd party website to again enter your social security number into cyberspace, making you at risk a second time ... .now they have sent a letter ( dated XXXX XXXX ) stating that the consumer can turn on, turn off temporarily, turn back on temporarily or turn off permanently, the security freeze in order to be able to get a loan for a car, home, new credit card, etc but they have to pay Equifax {$10.00} for the privilege!! Are you kidding me?? Even if each consumer does it twice, {$20.00} x 143 million is {>= $1,000,000}!!! It makes one wonder if they conspired with the hackers to get this done to increase their cash flow!! What the XXXX is the government doing to help people with this???? This is my second complaint. The first one just directed me back to Equifax for more abuse. Then I contacted the Ombudsman who has ignored me for 2 weeks now. I thought this Bureau was suppose dot help consumers, not be complicit w/ organized crime! PLEASE HAVE THE OMBUDSMAN CALL ME! I WILLBE CONTACTING MY SENATOR IN THE MEANTIME!!
Product: Debt collection

The amount due is reflecting different amounts for the same account on two different credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts on 4 submitted reports to the FTC. Additionally, there is a name added that's not mine and most of them exceed 7 years.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have unlawfully reported unauthorized accounts on my consumer report. I have not given you written permission to include any accounts on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your actions amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.

Furthermore, this agency is in violation of 15 USC 1692g. You were required to notify me of these debts in writing within five days of your initial communication. I did not receive any such notification. As the original creditor, only I can validate this debt, and I do not validate it. Therefore, the following accounts must be deleted from my report immediately : Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Additionally, I hereby revoke all rights for your agency to communicate with me through email, text, or phone calls. 

Failure to respond satisfactorily with the deletion of the above-referenced accounts and to send me a free copy of my report after the changes have been made will result in legal actions being taken against your company. I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Please provide me with written confirmation of their removal. I expect this matter to be resolved promptly, as it is severely impacting my creditworthiness and financial wellbeing. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen and several things including a bankruptcy are reporting to Experian. I never filed a Bankruptcy! I have contacted XXXX XXXX Bankruptcy Court and sent them all of my documents. When i contacted Experian they did nothing and would not even investigate the matter. I have attached my police report, FTC report and cover letter that i sent them. I should be protected from identity theft according to FCRA Law. Please help
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 U.S.C 1681. XXXX XXXX XXXX XXXX  also known as XXXX XXXX XXXX XXXX using different names acct # XXXX also put it as a charge off and a collection ( XXXX XXXX XXXX ( {$600.00} ). 
XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX XXXX acct XXXX XXXXXXXX. INQUIRIES that doesnt belongs on credit report. ( INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A. 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 reporting containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Someone in XXXX was selling a concert ticket. I offered to buy it and he wanted {$100.00}. I sent him the {$100.00} through the money transfer app XXXX. After this his number went out of service and he deleted his account. The charge was pending for three days because it was XXXX XXXX weekend, XX/XX/XXXX. I disputed the charge with my bank and when XX/XX/XXXX came around it went through anyway, my bank ( Wells Fargo ) says there is nothing they can do. They also are not able to tell me the bank of the person who scammed me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), the information contained in my credit report must be accurate and up-to-date. 
Data furnishers are not true accurate providers or validators of my deliverable address and can not provide any updates, as their information can be inaccurate and incomplete due to many factors such as fraudulent and misleading information. A copy of my Illinois Driver License is sufficient to confirm my current address. 

The presence of these incorrect addresses violates the accuracy requirements as per the XXXX XXXX format, specifically relating to address fields which must be accurate and up-to-date ( XXXX XXXX Base Segment XXXX Fields XXXX - Address, Positions XXXX ). Inaccurate address information can lead to issues of misidentification and has affected my creditworthiness.
Product: Credit reporting

I have credit inquiries that I did not authorize on my Experian report that were previously disputed with XXXX. I would like them to be removed permanently as soon as possible.