23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX are trying to garnish my wages. They say I owe a debt from XXXX in the amount of XXXX. I know nothing of this debt. This is a collection agency and not the true debtor. They will not give me proof of the true person behind this, I do not even recall owing this kind of debt, and I know it has to be identity theft. They sent a letter with a a lawyer behind it for garnishment of my check in 15 days starting from XX/XX/XXXX. They claim the debt is from XX/XX/XXXX. I do not see this debt on any of my credit bureaus for that amount owed.
Product: Credit card or prepaid card

On XX/XX/ Capital One credit card reported to XXXX that I was 30 days past due for {$15.00}. My credit score dropped 43 points 7 days before closing on my house. My statement closing date is the XXXX of each month and I have autopay. Reported inaccurately.
Product: Vehicle loan or lease

In XX/XX/XXXX, I registered my car in Maryland where I moved to from Alabama. Hyundai Motor Finance never sent my title to Maryland. Fast forward to XX/XX/XXXX when XXXX buyout my lease because I am tired of dealing with their company. The first check that my bank sent them, they lost. The second check finally was obtained and the buyout was completed. They signed the Alabama title in XX/XX/XXXX and sent it to me. I took the title to a third part tag and title business to get a new title without HMF on it and was told I needed them to sign the Maryland title before they could. So the Maryland title was sent to XXXX in XX/XX/XXXX. HMF " can not find it ''. I had called multiple times to recheck the status and told the same. They can't find it and they will escalate the issue. No word back. So I apply for a duplicate title from the Maryland XXXX and it is sent to HMF to sign. It was send on XX/XX/XXXX and it is now XX/XX/XXXX and they can not find the duplicate title. I have been escalated and told the same from each customer service rep that " the titles department doesn't have a phone number to contact anyone, only email ''. I can't be CC 'd on any emails per their policy. I have to wait and keep calling to see if they can find it. This title is never being found and I am stuck waiting and calling to be told the same over and over again. They have no financial interest in this car and can not find and simply release the correct title. My current financing is through XXXX and they need a copy of the title and so do I WITHOUT HMF on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon examination on my consumer reports, " XXXX, TransUnion, and XXXX '', there are some inaccurate reports to my personal information. According to Fair Credit Reporting Act ( FCRA ), state that all reporting agencies must maintain the utmost accuracy to consume information in the agencies listed above. They are reporting inaccuracies to my personal information. Which is violating my rights under 15 USCS 1681 ( A ) Accuracy and Fairness of credit reporting. Following find ( 3 ). They are also violating my rights under USCS 1681s-2 ( A ) Duty of furishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of error. 

I have sent notices to all ( 3 ) agencies listed above. It has been a failing attempt that these agencies has yet to respond to these reporting inaccuracies on my personal information to my consumer report. And by these agencies failing to correct or update the accuracy to my personal information. They are violating my rights, under 15 USCS 1681e compliance procedures. ( B ) Accuracy of report. 

I request that my personal be updated to the following : Name Date Reported XXXX XXXX XXXX XXXX XXXX Birthdate Reported : XXXX XXXX XXXX SSN Date Reported : XXXX XXXX  Address Date Reported : XX/XX/2023 XXXX XXXX XXXX XXXX, TX XXXX Telephone Date Reported : XX/XX/2023 XXXX Employment and Employment Address Date Reported : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX I'm requesting that all other names, birthdates, ssn, addresses, telephone numbers, and employment be deleted, and that this be rectification. 
..
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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

On XX/XX/2022 I opened an account with PNC Bank, which included XXXX accounts, Spend, Reserve, and Growth. 

The balance of those accounts were : Spend ( # XXXX ) {$1000.00} Reserve ( # XXXX ) {$1000.00} Growth ( # XXXX ) {$3000.00} The contract I signed off says ( attached an image ) " No monthly service charge if you meet XXXX of the following : {$5000.00} combined average monthly balance in your Spend and up to XXXX PNC Bank consumer checking accounts you have chosen to link ( including Reserve ) '' My account meets that criteria, but starting in XXXX ( attached a copy of the statement ) they charged me the {$25.00} service fee, I got in touch with them on XX/XX/2022. 

I received an email refunding me only {$50.00} out of the {$150.00}, I answered asking for a full refund of the services charges ( attached the email ), because I had over {$5000.00} before they started charging me the service, I received a phone call on XX/XX/202 from XXXX XXXX, she said that I had to keep a balance of {$5000.00} in my spending account, unfortunately, I was not at home and had no copy of the contract, she told me that the {$50.00} refund was just a courtesy because I didn't have {$5000.00} in my spend account, and offered me to change to a different service to avoid service charges which I did, when I got back home I asked her by email ( attached a copy ) to receive a detail explaining why they didn't consider I met the requirement. As of today, I have not received an answer from her.
Product: Debt collection

In XXXX, I moved from my principal residence in Washington DC and discontinued my landline/internet/cable service with XXXX. XXXX included a termination fee on my final bill, which I believed was improper. Nevertheless, after spending hours trying to get this resolved, I finally gave up and decided to pay the full amount due and in dispute. On XX/XX/XXXX, I paid {$490.00}, re : acct # XXXX by personal check to " The CBE Group '' - the collection agency that is the subject of this complaint - to which the debt was referred. Now, more than 3 years later, in XX/XX/XXXX, I was contacted by another collection agency ( XXXX, XXXX XXXX XXXX, XXXX MA XXXX ) about a debt owed to XXXX. I told XXXX that I already had paid the debt and then I called The CBE Group XXXX XXXX ) to ask for confirmation that they received my payment and discharged the debt. The agent I spoke with at CBE ( I believe, a XXXX XXXX XXXX (? ) ), was extremely rude and refused to offer any help, suggesting that I contact XXXX or various other options, even though it was to The CBE Group that I made my payment and which cashed my check. I have asked my bank for a copy of the cancelled check and expect to receive it shortly. In the meantime, I am shocked that The CBE Group, which received my money and cashed my check ( and confirmed over the phone that it had received the check a few days after I sent it ), refuses to give me any written receipt or confirmation that it received payment in full. My request is that The CBE Group provide this documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX I called in to make my minimum amount due on my account. I discovered that I was being reported late to credit bureau XXXX and XXXX 30 days past due. 

I enrolled in an hardship program. When I call the automated line it says nothing due, no minimum amount due. I spoke to several people on XXXX XXXX with different stories. 

The first department insisted that when I call in, it is not reflected correctly. I indeed have a past due of XXXX dollars. The lady was getting irate so I asked to transfer. I called back and was given to the hardship line. 

The lady said it was kind of confusing to explain what was happening to my account but she basically said that when I enrolled in a hardship program in XXXX, that the system was doing it for the next billing cycle ( not with my knowledge ) and that is why my account was being put in the bucket of past due. She indicated even though I was paying the min amount due it really was not the amount due. I paid XX/XX/XXXX what it said my min of XXXX would be and my payment is due XX/XX/XXXX. I was marked ay 30 days late because even if the phone system said XXXX dollars my payment really was missing an extra XXXX dollars and some change. 

I said that this was unfair and I would like them to open a dispute. She indicated that they are not trained on credit and how it works so she could not do anything but direct me to this address to dispute : XXXX XXXX XXXX XXXX ohio XXXX I believe this company practice is unfair. In enrolling in a hardship program they said my min payment would be reflected. They did not tell me of next billing cycle. I believe a company should fairly also tell you what is past due. If their own system is telling me that my payment due is XXXX dollars, I hit pay that. If it told me XXXX dollars I would of happily hit that too. I don't believe it is fair for XXXX associates to tell me that the phone system I call in to make my payment is wrong- I clearly call in and that is what it tells me to do. If it is wrong, then XXXX should own up to advertising me the wrong amount due. 

I have asked this to be emailed to me, have asked to be escalated a supervisor but they indicated they can not contact me via email. The only thing they can do is send me the letter where I did enroll in hardship. 

I did verify my address as well as I am not getting statements. If they miss my apartment and do not put F in front of it, it goes to another building. They are not helpful in this matter and it should not be my fault if their computer takes time to process. Maybe ( understandable ) they are being overwhelmed with people in hardship programs but it should not be our fault that we are being marked if their computer systems can not keep up. 

I only have phone conversations - I can also supply dates I have paid on my bank but please reach out directly.
Product: Mortgage

I have had my mortgage with Mr. Cooper since day 1 of house purchase. After 29 months of paying mortgage on time, XXXX payment was made XX/XX/year>. Mr. Cooper on XX/XX/year> made some adjustment to my account without notice or explanation resulting in the account now being past due.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX  data breach, and I've discovered misleading items linked to my profile. These are not affiliated with me, and I never authorized them.

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern XXXX, Equifax, XXXX The following inquiries were not authorized by me please delete them I have neverDateXX/XX/XXXX 1.CompanyXX/XX/XXXX XX/XX/XXXXXXXX AddressXX/XX/XXXXXXXX XXXX, XXXX, TX XXXX XXXX XXXXXX/XX/XXXX 2.CompanyXX/XX/XXXXXXXX AddressXX/XX/XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX, XX/XX/XXXXXXXX XXXX, XX/XX/XXXX 3.CompanyXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX, TX XXXX 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 consumer reporting a agency if the person knows or has reasonable cause to believe that the any of information is inaccurate.
Product: Debt collection

I reported identity theft on card ending in XXXX, months, years went by while I waited for credits. I do not shop at XXXX. I am currently receiving statements from XXXX 's on a card ending in XXXX which just started. I do not have a XXXX XXXX XXXX XXXX. At the same time I am receiving collection letters from United Collection Bureau Inc. regarding the same XXXX XXXX Account. I have sent a Cease and Desist to United. XXXX is now sending me a form letter threatening to update my credit reports with this fraudulent account ending in XXXX. The XXXX Identity Theft Claim on XXXX  needs to be closed properly.
Product: Credit card or prepaid card

I called Capital one asking how much I needed to pay to east is the account. I did just that. The following month they billed me when the account was supposed to be closed and satisfied. The account ended up with interest I called them to report, they said they was going to investigate the phone call and get back to me. They never did. Asked them for my payment history to submit it in my complaint but they refused to send it to me. I called them back and a manager was going to call me back about negotiating a settlement never received a called. They have put that on my report effecting my fico score.
Product: Debt collection

I am disputing this account reported by Capio Partners for the second time and request assistance from the CFPB in making my third attempt. I communicated to the collection agent in writing ( see attached copy of letter ) and their client XXXX XXXX XXXX by telephone that I have no knowledge of any service and why this account is reporting on my credit reports. I spoke to a hospital clerk by telephone and informed them that this account may have been paid by mistake. I explained that I pay my debts as I receive them and it may have been paid which is a mistake because it was one of the accounts reporting on my credit that was opened without my consent. I did not open this account and have not received any service from this hospital. This account was opened fraudulently using my lost/stolen identification and I have requested previously for the client to provide me with validation of this account bearing my signature giving my consent to enter this contract and information of the instrument used to identify the person who requested your service. I would also like to know why this same account with the balance of {$75.00} that was disputed and removed from the ( 3 ) CRA by Capio Partners XX/XX/2018 was reopened on my files on XX/XX/2018 this account is not reporting this account on my credit files in compliance of the FDCPA ( see confirmation of XXXX XXXX deletion ).
Product: Credit reporting, credit repair services, or other personal consumer reports

AROUND XXXX 2017 I FILED A COMPLAINT WITH THE CFPB IN REFRENCE TO HELP WITH FRAUDULENT ACTIVITY ON MY CREDIT REPORT. I LIVE IN ALABAMA AND THERE WERE ACCOUNTS ON MY CREDIT REPORT FROM A DIFFERENT STATE. XXXX XXXX NEVADA. ALSO A FRAUDULENT CHAPTER XXXX UNDER MY SS # THAT WAS REPORTING AGAINST ME IN XXXX XXXX NEVADA. THERE WERE 4 ACCOUNTS ATTACHED TO THIS CHAPTER XXXX. XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX XXXX. ALL WERE REMOVED BUT XXXX XXXX AND XXXX XXXX. ALL WERE INCLUDED UNDER THIS FRAUDULENT CHAPTER XXXX SO ALL SHOULD HAVE BEEN REMOVED. THE XXXX XXXX AND XXXX XXXX IS STILL REPORTING ON MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent lawsuit highlighting significant issues with the platform. Ive used Zelle numerous times and reporting discrepancies, I was told it would be impossible to return funds. Zelle has allowed repeat offenders to violate the system. Ive lost about {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inquiries on my report that are inaccurate. Company ( transunion ) came back in 2 days and stated they were valid inquiries. That was not enough to verify. These inquiries are inaccurate and not mine
Product: Credit card or prepaid card

On XX/XX/21 I made an online purchase through XXXX for two pairs of XXXX  XXXX XXXX  for the total amount of {$53.00}. I initiated a return on XX/XX/21 because both items were not as advertised and shipped items back on XX/XX/21 by USPS. The seller received both items on XX/XX/21 and was refunded for the total amount of {$53.00} back to its original form of payment which was TJX Rewards Mastercard. 

I was being billed for items that I had already returned and opened a dispute charge and mailed me a letter requesting the return delivery confirmation with the return tracking information. 

On XX/XX/21, I faxed TJX what was requested on the letter and also mailed to them the letter that was faxed to them along with a copy of the USPS receipt proof of returned items and copy of XXXX transaction receipt, return and refunded back to original payment. 

After all the proof that I have provided, TJX is still wrongfully charging me for the amount of {$53.00}.
Product: Consumer Loan

I was contacted by a company multiple times within a XXXX minute period. Including XXXX phone calls at my place of work. They called my cell phone at XXXX XXXX XXXX and XXXX. In between those calls they called my place of work XXXX XXXX and XXXX. I have nothing to do with the loan they are inquiring about, there is no way they would have had my phone number information. They did some type of research to find this information and would not stop bothering me. I do not think it is okay for a company to call that much and especially my place of work. That puts a bad image out for me when this issue has nothing to do with me. The company is full of liars. They said that my father and I were both put down as a reference which I know is not true. We have nothing to do with the loan holder and the loan they said was 4 years old and 4 years ago I had a different number and worked for a different company. And my father has had nothing to do with them in many many years. This is not acceptable at all and I hope that someone can do something about this because if they 're harassing me like this I 'm sure it 's happening to others.
Product: Credit card or prepaid card

I had fraudulent activity on my Credit Card with Welks Fargo, I spoke to the Fraud Department and file an investigation and told them that I was not responsible for the charges XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX KS XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
All of these were put back on my Credit Card because they said that they did an investigation and the card was in my possession which it was not, it was lost, I'm not going to pay for something that I'm not responsible for. 
Wellsfargo in my opinion is horrible.
Product: Bank account or service

Rushcard took my money didnt allow me access to the internet or funds. I called ay least XXXX times anf could not get thru. When i did i was lied to repeatedly saying it was gon na be fixed soon. The stress has been undeniable
Product: Credit reporting

XXXX XXXX issued a line of Credit for $ XXXX {$680.00} on XXXX/XXXX/XXXX and was closed back on XXXX XXXX and again listed and closed under my XXXX Chapter XXXX Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Equifax is violating my right to privacy without my consent. The nonaffiliated 3rd party companies identified in this report along with Equifax DO NOT AND NEVER HAD MY CONSENT TO use and share my nonpublic personal information. Im aware that this not only a violation of the Fair Credit Reporting Act but also constitutes as a violation to the Privacy of Consumer Financial Information Rule ( Financial Privacy Rule ). Their unfair, deceptive acts are harming me a consumer along with causing me financial hardship and complications while trying to operate in commerce! Ive made the Federal Trade Commission aware of their illegal actions * see attachments*
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the news of the recent Equifax security breach, I went on the company 's own website ( exifaxsecurity2017.com ) and after putting in my last name and last 6 digits of SSN, it reported that : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This includes : Name, Social Security #, Address, Birthdate, etc The company mishandled my information, which puts myself an millions of other people at risk. Additionally, they did not notify anyone quickly enough about this potentially life-damaging breach to millions of consumer 's personal and financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested from each creditor a complete validation which includes the original contract with my signature on it. According to the FDCPA section 809 for validation. 
The creditors did not provide such documentation. The creditors are as follows, XXXX account no. XXXX .... 
XXXX account no. XXXX .... 
XXXX account no. XXXX ..... 
XXXX XXXX account no. XXXX .... 
XXXX XXXX account no. XXXX .... 

furthermore according to the FCRA 15 usc section 602A i have the right to privacy all collectors did not abide by this law and 15 use section 604A section 2 states a consumer reporting agency can not report without my written instructions.

this was also violated