23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was recently garnished on my wage and I have no idea why. I received a letter in the mail from my employer about the garnishment and on the paper it had a case number and a company that issued the garnishment. When I called the company about it, they tried to look me up in the computer and they said they could not find any accounts for me and that they have no idea why I am being garnished. I contacted the company that handles my paycheck, and they told me to call the court house that agreed to issue the garnishment. When I called them, I got transferred to the Small Claims Department at the XXXX Court XXXX XXXX XXXX, and the woman I spoke to looked up the case number that I had and she said it had my name on it, but that was all the information she could give me. The other person that I was told to call by my payroll company, was the lawyers office that apparently handled " my case '' and I have been calling and calling and nobody answers the phone. I know that I do n't owe anyone money, and I have never had anything in collections and I have no derogatory marks on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello TransUnion team, i contacted you several time to let my XXXX  auto loan reflect my credit report on a monthly basis, you asked me to let XXXX XXXX  to contact TransUnion to send my information for you. They sent you my information on XXXX and XXXX They sent you my informations on these emails, but you didn't reply yet and they asked me today XXXX, XXXX, 2023 also what documents still TransUnion need to fix the issue. Please reply for the emails they have sent. I'll attach screen shots here. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This started in XXXX of XXXX when I was hospitalized for 3 weeks due to XXXX. I had my wife contact Capitol One and they promised to move my payment then turned around and reported it late. When I lost my job due to Covid they offered me a program that would save my cars so that I would not lose my vehicles and I accepted the program and they in return posted all the payments late while I was under a program that they offered. I wrote them several letters and disputed every late payment and they have refused to honor their program. I scheduled prepayments and they promised that the account would be secure and not reported late yet they reported each payment late. They have yet to respond to my request to remove them and it has grossly affected my credit and my ability to move and secure residence for my family. They can clearly see that I honored each payment and since returning to work in XXXX I have yet to miss a payment and I always pay more than the payment due. They even have a late pay that reported in XX/XX/XXXX and I have not missed 1 single payment since going back to work and both my accounts reflect current, up to date and timely payments. Please assist me in getting this matter resolved because all of my efforts has failed. 

Capital One Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX ( XXXX ) Capital One Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX ( XXXX )
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 confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I asked for verification of the origin of this debt according to the FCRA section XXXX. 

They have not responded, they continue to collect and report this debt as valid. 

They charge me fees every month, and annually on top of interest. This card was offered to me with a {$250.00} fee to begin with and their practices are unethical in the fees they charge. 
I would like to see the original payment agreement but my account has been sold XXXX now and I can not get any of the original information that they are reporting, so I do not know what charges are correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my XXXX, Experian & XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Debt collection

CFPB + Midland Credit Management + XXXX  XXXX, On a recent review of my credit report, I discovered MIDLAND CREDIT MANAGEMENT reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - My drivers license - My social security number - My address - My letter
Product: Mortgage

On XX/XX/XXXX, I received a letter indicating the account is past due. I received another similar letter in XXXX and the monthly statements are showing a past due amount since XXXX. I have bi weekly withdraws and auto pay on this account and in order to be eligible for that, I had to pay a month in advance. Therefore, at no point would this account ever be late given the biweekly debits and monthly autopay. 

I also received a check for a mortgage insurance refund but I have not paid for mortgage insurance on this account, so I am not sure why they arbitrarily removed money from my escrow and refunded it to me.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was stunned to find incorrect accounts on my credit report this afternoon, with no explanation for how they got there. I regularly check my credit report, but this time I was shocked to see unexpected discrepancies. I even tried refreshing the page, hoping it was just a technical issue, but the errors didnt go away. Because of this, I urgently request a thorough review of the documents Ive provided so that I can finally stop worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and saw that XXXX XXXX XXXX XXXX was listed on my credit report as a repo/ charged off account in the amount of {$18000.00} for a XXXX XXXX I have never owned or applied for a loan on one. I've contacted the credit bureaus and the company and they say the account is mine, and it is not! I've disputed it several times and nothing gets resolved. I don't know what to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I had 3 fraudulent charges from my Chase Checking account. Chase reversed the first 2 charges and not the third saying their company policy is to only reverse the first 2 charges because they have a 60 day time limit. The 1st charge was {$54.00} in XX/XX/2018, the 2nd charge was  {$180.00} in XX/XX/2018 and the 3rd charge was {$530.00} in XX/XX/2018. I can't get passed anyone at Chase because all they are telling me is that it is company policy. When I originally filed the claim they told me it had to reported within 60 days which I thought I did seeing I filed the dispute in XX/XX/2018.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have had two late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XXXX, XX/XX/year> ) importantly this company is no longer in service. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

Every single day Im getting phone calls from Cedars Bus Svc and I dont know what its for. I pick up the phone and say stop calling and they hang up. They have never left a message saying what its for. I block their number and they call from another location. Every single day, multiple times a day, all over the state!!! 

The latest call was this morning XXXX XXXX XXXX  from XXXX from XXXX XXXX NY XXXX XXXX XXXX  from XXXX, CA XXXX XXXX XXXX XXXX  from XXXX, MD XXXX XXXX XXXX from XXXX, MA XXXX And the list goes on!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on April 7, 2021, I sent in a 30 day demand letter ( see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that this item be immediately removed and deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX # XXXX that is violating my 30 day right to dispute. I never received any notice of this collection until it was placed on my credit.
Product: Credit card

Online payments were made on time from XXXX, according to XXXX XXXX at XXXX on XXXX XXXX XXXX, XXXX, CO, XXXX. XXXX last week. 

We called USAA from XXXX and USAA claimed that the there was a wrong address on the payments, which were to USAA at addresses on file. 

{$4000.00} XX/XX/XXXX made and posted XX/XX/XXXX returned by XXXX deducted from my Chase accounts for 2 days {$6000.00} XX/XX/XXXX was taken out of my Chase account and returned by USAA and posted XX/XX/XXXX - through bill pay. 

I am being charged interest by USAA and this has impacted by XXXX XXXX, because my credit card balance appears to be high even though it's been paid off.
Product: Vehicle loan or lease

I totaled my car and notified VW Credit on XX/XX/2018. They promised a XXXX day response and it is now past that time. They now say it might be sometime next week. Each day they delay it is costing me interest. This is with VW Credit
Product: Credit reporting or other personal consumer reports

I reviewed my Transunion credit report and it shows a fraudulent account that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent me information via CFPB portal addressing my request for Date of First Delinquency regarding accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- as the Date of First Delinquency ( See Screenshot ) But are reporting a Date of Last Payment as XX/XX/XXXX. 
My question is how can XXXXXXXX XXXX  report Date of Last Payment as XX/XX/XXXX yet State the Date of First Delinquency as XX/XX/XXXX. Obviously, the Date of First Delinquency should be the month after which makes it XX/XX/XXXX not XX/XX/XXXX, which is 7 years. Remove this account for inaccuracy. Both dates can not be accurate. 
XXXX ) XXXX XXXX  XXXX XXXX XXXX. 
Delete account it is surpassed 7 year period I also request PROOF such as Bank Records from XXXXXXXX XXXX that substantiate that the Date of Last Payment was in the year XXXX and they are not making any sense as they are proving further that this account was RE-AGED!!!! Again this account is NOT MINE and is more than XXXX XXXX XXXX. 
XXXXXXXX XXXX  speaks of waiting for information from me. 
I received a request after already attesting that I have XXXX income and can not work due to covid complications from a inpatient stay for 7 days in XXXXXXXX XXXX XXXXXXXX. hospital. 
I already submitted this information via CFPB Portal in writing. 
That should be enough!! 



In case this account I am disputing is VERIFIED, I in advance request from your credit reporting agency ALL records that will reveal the procedures used to verify account. 
I am also requesting the name ( s ) of the person ( s ) you spoke with along with the Business Name, Telephone Number and Address.Ths request is in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
Product: Credit reporting or other personal consumer reports

I filed a dispute concerning my consumer report with XXXX, XXXX, and Experian in XXXX and XXXX of XXXX. Neither company acknowledge the federal laws or consumer protection laws that I cited in my disputes, instead the company sent me a letter basically saying that they speculated that some third party was doing something to my credit. I responded telling the reporting agencies that I, myself had written the disputes, and I also verified my identity. The company still ignored all consumer protection laws and simply refuse to investigate or remove any of these derogatory remarks for my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$2900.00} with XXXX XXXX account number XXXX. I do not have a contract with XXXX XXXX, they did not provide me with the original contract with my wet signature and ID verification. 

Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.
Product: Debt collection

XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. ARE FELONY RICO CRIMINALS, SO NOW XXXX XXXX SELLS MY INFORMATION TO ANOTHER CREEP THAT CAN NOT PROVE ANYTHING, WHERES THE MINUS SIGN THAT WOULD SHOW A NEGATIVE BALANCE, YOU XXXX XXXX ARE SO XXXX, THERES SUPPOSED TO BE A MINUS SIGN IN FRONT OF THE NUMBER YOU XXXX XXXX, furthermore i will swear under oath by penalty of perjury there is no debt, are you willing to do the same? in other words if the two criminals mentioned above are able to swear by oath under penalty of perjury this debt is valid and sign thier name to the affidavit i will pay them the full amount, they cant do it and WONT DO IT BECAUSE THIS IS ALL A SHOW, ITS PRESUMPTIONS AND LIES AND DECEPTION, THERES NOT EVEN A SIGNATURE FROM THE CLAIMANT, YOU GOT TA BE KIDDIN ME YOU XXXX XXXX XXXX