23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, a servicer named Radius Global Solutions submitted a garnishment order to my employer 's Payroll department to deduct {$160.00} per pay period, claiming the CARES mandate was lifted as of XX/XX/2021. The servicer claimed they were hired by the original servicer, XXXX. Based on my research and understanding, the CARES Act has been extended til XX/XX/2021 for student loan servicers to garnish wages. I need assistance sorting this matter out, as my payroll department insists they must move forward with garnishment unless they receive something from Radius Global Solutions.
Product: Credit reporting or other personal consumer reports

IMPROPER, INACCURATE, FRAUDULENT REPORTING XX/XX/XXXXIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX I DEMAND THAT THESE DEROGATORY ITEMS ABOVE MENTIONED BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. I AM A VICTIM FROM TRANSUNION CREDIT BUREAU
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been hearing from the news that randomly generated results have been provided as a part of checking to see if I was impacted by the Equifax data breach. This provides no confidence in a system that has already leaked information and waited over 2 months to inform the general public of this breach with no intention of directly informing those who 's information was compromised. This is unacceptable.
Product: Debt collection

XX/XX/21 received letter about a balance of {$1600.00} - XX/XX/21 went on XXXX XXXX XXXX XXXX XXXX XXXX WEBSITE - made a payment plan to pay down debt - XX/XX/21 received a summons to appear for conference mediation regarding said debt. No notice, no nothing, some random guy showed up at my house - said you are being served, handed me papers and walked away. That was it
Product: Credit card or prepaid card

In XX/XX/2019, XXXX XXXX XXXX charged my Macy 's XXXX  credit card on file {$680.00} for services that were not performed or authorized by me. The XXXX XXXX XXXX does not have any documentation on file behind this charge. For the last 11 months, Macy 's XXXX and the XXXX XXXX XXXX have been going back and forth with no valid information or proof to this transaction. I have always responded timely and provided information as needed. Today I was notified by Macy 's XXXX that they are closing the dispute and I just owe the money. There has never been a written or verbal approval for this {$680.00} charge. It is completely fradulent. I need for you to step in and take over this investigation.
Product: Credit card

I transferred XXXXXXXX XXXX from my Chase credit card to my XXXX XXXX XXXX  credit card for a lower interest rate in XXXX XXXX XXXX 
Neither Chase nor XXXX have acknowledged the transfer. 
Now I am paying on XXXXXXXX XXXX of credit cards and interest. 
After dozens of phone calls and visits to several branches of each bank they say it's the other bank 's problem. 
Chase says they never received the payment, XXXX says they paid it. I can not obtain proof that XXXX paid Chase the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my banking with Wells Fargo and I was inquiring about a loan around XXXX XXXX 2018. Their website did n't ask me for my personal info such as my social security number or date of birth. Next thing I know they showed up as an inquiry on my credit report and has damaged my credit scores.
Product: Credit reporting

I would like to dispute lien XXXX in the matter of {$5500.00} which appears on my credit report. I have been attempting to communicate and contact Equifax regarding the incorrect and invalid lien and they continue to harass me and ignore me. I have been denied all requested descriptions and procedures and realistically asked to go away and not bother them over the phone regarding the matter. I am appalled at their behavior they are sternly refusing to provide me any proof, documentation and evidence of their investigation and have told me repeatedly that it is not in the " law '' to provide me with any information. 
They have also claimed that they have received NO communication from me reading the matter and that is in fact false. I have faxed and mailed the LIEN Release form XXXX and Form XXXX regarding the disputed lien and they claim to have not received such documentation and communication. This company is clearly not doing their job nor anything legal for that matter. I would like to escalate my matters further. I have suffered tremendously due to their ignorance and refusal to follow the federal guidelines. I have asked for public record documentation an the best that I have seen was a form from 2009 regarding the initial lien. The dates or incorrect and the legitimacy is incorrect and this account should NOT be reporting on my file. I am no holder of a lien nor am I indebted to anyone. I have told them over an over again that the address of the lien was incorrectly linked to my name, as I live their as well. The lien is under a XXXX XXXX at the SAME address.
Product: Debt collection

On my credit report from the three bureaus ( XXXX XXXX XXXX ) a credit card account with American Express is being reported that had a balance of {$3700.00} and was " Closed - Credit Grantor '' on XXXX. They continue to report it as active. I have not had communication with them since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/FTC REPORT cover letter/ social/ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX- XXXX XXXX- XXXX I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by XXXX. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a Collection/Charge Off, which you claim I owe a balance of {$2600.00}. 
More specifically, I am referencing the fact that you are reporting the following : No account number given. Where is the account number? Last payment made was on XX/XX/XXXX ; however, in the description of payment history, it states that the account was in good standing inXX/XX/XXXX listed as OK referring to a payment received within a 30 day period. Furthermore, what date was the account closed? Credit card companies charge off accounts after 180 days of nonpayment and in this case the account would have been closed in XX/XX/XXXX. Why then are they reporting 180 days late in XX/XX/XXXX which would have been 210 days and 30 days after the closure of the account? The above information pertaining to this account in inaccurate and highly damaging to my credit score. Please remove immediately. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file 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 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Validation. I do not consent to e-oscar or any means of automated verification. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX : XXXX Note : I was a victim of a DATA Breach in XXXX and filed a claim against XXXX 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, EQUIFAX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : ( Late/Open : XXXX XXXX XXXX  XXXX Balance Owed : {$490.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}.
Product: Mortgage

New York Community Bank has our house mortgage. We sustained damage from hurricane XXXX and had to move out of the house. The insurance company required us to send the repair checks from them to the bank. This was to insure that the money was spent to fix the house. We finally signed a contract two weeks ago to start repairs, but the bank has been dragging their feet. We have sent everything they asked for- the contractor 's license, tax form, a copy of the estimate and contract. But, every time I ask them where the money is to get started they say they still need information that I 've already sent. I 've read where they do this to make interest on the repair money. We are in a rental house and may have to leave before the house is repaired. We 're at their mercy. We talk to them each day, but nothing gets done.
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. 

Bankruptcy XXXX XXXX XXXX Bankruptcy ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 or other personal consumer reports

RECEIPT OF THIS COMPLAINT IS ACCEPTANCE OF ALL TERMS STATED HEREIN. 

I've received a letter from XXXX XXXX XXXX, XXXX dated XX/XX/XXXX as a response to my previous CFPB complaint sent on XX/XX/XXXX. The complaint number referenced is : XXXX. In that complaint I demanded XXXX XXXX XXXX, XXXX to provide full disclosure and original accounting documentation proving their lawful right to continually report derogatory information to each of my consumer reports. The referenced account number is : XXXX. The referenced balance is : {$900.00}. I refuse to pay this alleged debt. No contract between XXXX XXXX XXXX, XXXX and I, the consumer exist. I demand this information be deleted from each of my consumer reports immediately and permanently. I am in possession of photocopied/manufactured documents containing both false and misleading information. As a debt collector/buyer, XXXX XXXX XXXXXXXX is well aware that providing misleading statements is a direct violation of the Fair Debt Collection Practices Act. This act of non-compliance proves their willful negligence in continuing to report derogatory information to my consumer report that is both damaging and defamatory. XXXX XXXX XXXX has neither properly verified or validated anything according to law. XXXX XXXX XXXX, XXXX is listing Citibank N.A. as the seller of this information and themselves as the " present creditor ; both direct examples of fraud and intentional misrepresentation. These derogatory items actively reporting on my consumer reports are direct examples of libel. All of which are keeping me under duress. XXXX XXXX XXXX, XXXX is acting with malice and reckless disregard. The bill of sale included in their documentation further displays their attempts at extortion and an outright display of an inequitable transaction that continues to cause harm to me as the injured party. According to XXXX XXXX XXXX, XXXX documentation, Citibank NA charged off the alleged account, recorded such as company loss, received a tax break, sold it to XXXX XXXX XXXX, XXXX for profit and never provided me with the IRS form XXXX for tax purposes to claim as income on my taxes. It is a violation of law to report income on a consumer report. Again, how are these actions equitable to me, the consumer? It is not. If XXXX XXXX XXXX, XXXX is in fact, the present creditor on this alleged debt, I will be requesting a forensic audit according to XXXX from the IRS. I will also be requesting a forensic audit. I am submitting IRS form 3949-A for both companies listed on XXXX XXXX XXXXXXXX XXXX XXXX documentation sent to me dated : XX/XX/XXXX. 

RECEIPT OF THIS COMPLAINT IS ACCEPTANCE OF ALL TERMS STATED HEREIN.
Product: Credit reporting or other personal consumer reports

I am writing to formally report an unauthorized inquiry on my account that I discovered upon reviewing my credit report/financial statements. This inquiry was not initiated by me nor did I authorize any third party to make such an inquiry. It is crucial for my financial integrity and credit score that this inquiry is investigated and removed from my record immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 INQUIRIES ) XXXX XXXX XXXX XXXXXXXX ( 2 INQUIRIES NEEDS REMOVAL ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX REMOVED THIS ASAP Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
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. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

I applied for a loan with American First Finance on XX/XX/2018. They asked for my bank account information, made a small withdrawal to verify my account, and offered me a line of credit. 

They took a {$50.00} payment from me at time of purchase then took auto payments that were posted to my account. When I saw that they took them from an account number that was two digits different than mine, I called them and notified them. They asked me to make a payment with a card, which I did, so that if the payments came back the account wouldn't show as late. 

They began calling me every Friday and Saturday asking for payment. I made three double payments the past three weeks in a row. I was told that the payments came  back from the wrong account but were covered by my card payment. 

My payment is supposed to be XXXX every Saturday ( I was supposed to be on twice a month payments but that never happened ). I get a call every Friday and Saturday and on both days, they take a payment out from my card ending in XXXX. 

The online statement doesn't show the payments I make online, only those auto-debited from my account or on auto pay with my card. 

When asking for a statement of all payments, they said that due a technical issues, they can't show online payments, only draft or card payments. 

Then the supervisor today, XXXX XXXX, on a recorded line, said she apologized and offered to give me a " free '' payment - I refused the payment as I have zero trust of these people and don't want them to put another late payment on my credit report.

They put a late payment on my credit report two weeks ago, despite receiving payment on time, which I've asked to be removed. 

This is the worst finance company I've ever dealt with. 

They have access to three of my debit cards, my bank account, and despite auto pays and payments made online, still charge me for two payments each week and still call me constantly.
Product: Credit reporting or other personal consumer reports

Recently i lookd at a copy of my credit report and noticed several inaccuracies on my account. 
this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you to verify as accurate DEPT OF EDXXXX Balance {$1100.00} Balance updated XXXX XXXX, XXXX  DEPT OF EDXXXX Balance {$810.00} Balance updated XXXX XXXXXXXX XXXX DEPT OF EDXXXX Balance {$1200.00} Balance updated XXXX XXXX, XXXX  DEPT OF EDXXXX  Balance {$2300.00} Balance updated XXXX XXXXXXXX XXXX  I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report.
Product: Money transfer, virtual currency, or money service

I requested PayPal refund the {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX deposited to the " XXXX '' PayPal account on XX/XX/23. PayPal 's refund policy indicated there would be no charge for the refund. Instead of refunding the deposited money sitting in the PayPal account, PayPal withdrew money for the refund from the connected XXXX XXXX  account on XX/XX/23 and charged a {$280.00} fee. The XXXX deposit was not for a service provided to XXXX. It was a transfer of funds XXXX was holding for me. I contacted PayPal customer service and they refused to give back the fee. 

Since I did not accept the funds from XXXX which are still sitting in the PayPal account and did not authorize the withdrawal of money from the XXXX Bank account, PayPal should not have charged a fee. Furthermore, because the transaction from XXXX to the PayPal account is not associated with a good or service, no fee should have been charged.