23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting this complaint against  John C. Boewicz PC  because while I was trying to settle a debt of {$3500.00} they began to garnish my wages without any warning. I was negotiating over the phone with them since    XXXX  2017    . I even sent them a couple of faxes explaining that despite my financial hardship I was willing to settle. I started with {$750.00} then I counter offered {$1100.00}. They asked for proof of funds and I even faxed that over. Within a week from my last fax they had already garnished {$85.00}. I called to ask  XXXX   XXXX   XXXX , who I was negotiating with, why they were taking money if I already had asked for a settlement. He responded that he and his " superior '' figured this was the best option for them. I never was told they were going to garnish. What was the point then faxing over proof of funds? Today they garnished {$75.00}. I am a divorced woman and I do not make what my ex husband use to make. I have  XXXX  children to provide for. I feel that they took action to quickly and left me in the dark on purpose. Attached is the proof of faxes I sent them.
Product: Student loan

I sent a certified letter on XX/XX/2021 to Navient asking them to stop contacting me about my student loans. They continue to call me, at least once a month, including calling family member 's whose numbers I never gave them. They are also reaching out via email to multiple email accounts. The phone calls and emails have been increasing in frequency ( now at least weekly ) in the past month. I have told multiple representatives that I do not want to be contacted about this debt, that I am aware it exists but am unable to pay. I have told them that I sent a certified letter asking for them to stop contacting me. I told them to stop harassing me and my family. I would not be surprised if they are reaching out to old employers as well, as they have in the past. I received another call today, less than a week since I spoke to the last representative.
Product: Checking or savings account

On XX/XX/2021 I used a website called simplex to purchase {$500.00} worth of XXXX. After receiving a text from Wells Fargo asking me to confirm that it was me who attempted to make that transaction, I replied with yes. After authorizing this one transaction of XX/XX/2021, there proceeded to be another 19 charges to my debit card in the following 30 days that amounted to {$4100.00} on this website for purchases that I did not authorize nor did I partake in the making of these purchases in any way, shape, or form. I do not check my bank account every day as I am a student in dental school, so I have a very busy schedule. This is a company that is located somewhere in XXXX, and I attempted to reach out the them multiple times and received nothing but automated responses in return. I use the services of a company called XXXX, which allows you to make a purchase and pay it off incrementally later. After attempting to pay my balance off at XXXX, I received a email from Wells Fargo that my account balance had reached {$0.00}. I went to check my balance and realized that I had received over {$100.00} in overdraft fees, on top of having a negative balance. I then glanced through my charges to see where my money went, disputed all of the charges I did not authorize, and had my dispute promptly denied by Wells Fargo the next day. I did not make these purchases, and I did not present my debit card to the merchant nor did I enter a PIN. My card was ran as Credit and my account was completely drained, on top of this, it was cryptocurrency which was purchased, making it untraceable and impossible for me to see where my funds were sent. After calling Wells Fargo and explaining that these charges were not made by myself and that my card was ran as Credit, they told me they had no other information for me and to have a good day.
Product: Credit card or prepaid card

I was scammed into purchasing XXXX cards by someone posing as by boss. I reported it to the police and called my credit card company. They told me the incident would be covered under their fraud protection. Two months later they put the charges back on my card and they wont cover the charges because they dont consider it fraud. I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE INVESTIGATE CONSUMER REPORT. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name XXXX XXXX XXXX XXXX XXXXccount # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Portfolio Recovery Associates LLC  is pursuing a debt that is past the statute of limitations. The debt is over 4 years old and is no longer supposed to be pursued. I recently asked a credit score company XXXX to get the debt off of my credit report and it was not accepted by Portfolio Recovery Associates LLC.
Product: Checking or savings account

America First has displayed an appalling disregard for the best interest of their customers by forcing checking account customers to upgrade to a " Premium Checking Account '' that charges a monthly fee unless you can maintain 3 different tasks ( 20 purchases a month, minimum {$500.00} direct deposit a month, and minimum average daily balance {$1500.00} a month ) that I personally wouldn't be able to meet any of. I looked through the email they sent me and then checked out their website too but no where does it say you have a choice to opt out. They're being deliberately deceptive, hoping customers will accept the fee and move on. I also feel a move like this is an act against those who are less advantaged - the average American can't keep a daily balance of XX/XX/XXXX, and many of America First 's customers get paid in cash only so direct deposit isn't even an option. Those customers don't have as much time to speak with someone or even look into their options, so they're effectively being strong armed into spending money that they already don't have enough of because they're not privileged enough to figure out how to not be victimized by America First. It's also offensive that many of their listed " benefits '' are literally less than standard bank " benefits '' XXXX no low balance fee? Unlimited monthly transactions? Really that's the best you could do? This is my cash, you have no right to stop me from using it XXXX. 

America First has every right to make the premium checking account an OPTION. To convert their customers against their will is immoral, corrupt, unfair, and in some cases abusive. I feel for those who don't learn that there's another option. I myself was feeling quite trapped because I have my auto loan and a credit card as well and you CAN'T pay either of those unless you have a checking or savings account. I thought I was going to have to close my credit card ( affecting my credit ) and refinance my auto loan if I wanted to avoid paying that {$6.00} fee each month. It also made me view that fee as a mandatory fee for paying my auto loan or credit card, which I'm pretty sure is illegal to give no free payment options. 

Until this I've actually been pretty happy with America First. I gladly used them instead of XXXX or XXXX XXXX until I found XXXX Checking and savings which get me a lot more money and benefits. I had a financial hardship with one of my auto loans years ago and they took great care of me which made me want to forever get my loan through them. That went away with this egregious behavior and I'll be looking much closer at other options next time I need an auto loan.
Product: Credit reporting or other personal consumer reports

It has come to my attention that your company has placed inquiries on my credit report without my consent. I am extremely frustrated by this and demand an immediate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

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. 


I want reinvestigate these accounts : XXXXXXXX XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the Balances, and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I Dont recognize these accounts, another person use these accounts, please remove these accounts from my credit report XXXX  - Account XXXX XXXX XXXX XXXX - Account # XXXX
Product: Bank account or service

Attached is a letter I sent to Chase Bank 's corporate offices describing our current financial situation. We have been dealing with a series of fraudulent activities and Chase Bank has neglected to handle our situation with care and attention, let alone assume any responsibility for their lack of security protocol. We requested an explanation in writing from Chase in regards to the investigation we were told was being done, and were denied in addition to being told they also denied our claim to replace the money that we have lost.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

In a permanent XXXX lien HAMP modification thru Making home Affordable program. Servicer ( PHH Mortgage ) is refused to offer a 2MP modification on the XXXX lien, even after I requested it be done, per Making Home Affordable Directives. Now XXXX lien note ( HELOC ) is in repayment period with a substantial increase at 2.7 times my previous monthly payments. PHH Mortgage services XXXX and XXXX liens and will not answer critical questions submitted in the Qualified Written Request. I have submitted a completed submission package as directed by the Relationship Manager, whereas ; I specifically indicated on all correspondence to PHH, the intent of all submissions are for 2MP implementation. PHH tells me XXXX XXXX owns my XXXX note, but I have proof that it does not own my XXXX note.
Product: Credit reporting or other personal consumer reports

Experian is reporting balances in my credit cards when I already paid them in full and there is no way to send them proof
Product: Vehicle loan or lease

Dear XXXX XXXX, I have a question do Carmax participates in truth in lending? 
If so persuant to 15 USC 1662B & 15 USC 1635, when making a consumer credit transaction, NO cash can be exchanged after I have extended my social security number and extended my credit which covers the entire transaction amount ( FINANCE CHARGED ). Its illegal for Carmax to charge me a down payment of {$5000.00}. Thats fraud. I have a copy of these violations on the attach highlighted in color Yellow. Which clear states the violation several times. 

Reference case XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) page XXXX U.S. 551 Nothing can be more material to the obligation than the means of enforcement. Without the remedy, the contract may, indeed, in the sense of the law, bale said not to exist, and its obligation to fall within the class of those moral and social duties which depend for their fulfillment wholly upon the will of the individual. The ideas of validity and remedy are inseparable, and both are parts of the obligation, which is guaranteed by the Constitution against invasion. The obligation of a contract is the law which binds the parties to perform their agreement. 

Because of what appears to be lawful command on the surface, many Citizens, because of their respect for what appears to be law, are Cunningly coerced into waiving their rights due to ignorance. XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX ( XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX the following account numbers, have violated my rights. 
XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX 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 stats a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I requested SCRA benefits to my account under the Ohio state provision code. Since i am in the XXXX, I no longer have the paperwork they requested to proof my residency. I provided my XXXX XXXX showing that my residence t the time of XXXX  was Ohio. Under the code the XXXX XXXX should suffice as the requirement. I was denied the benefits.
Product: Credit reporting or other personal consumer reports

Debt Validation OR REMOVE FROM MY CREDIT REPORT
Product: Mortgage

LoanCare failed to pay our XXXX Property Taxes, which caused late payment penalties. 
There were many attempts to have LoanCare pay our property taxes including the late payment penalties fees ( as we had an Escrow Account ) between XXXX and XX/XX/XXXX, including notices of Servicing Errors and a complaint to the CFPB submitted on XX/XX/XXXX ( XXXX-XXXX ). 
On XX/XX/XXXX, since no payment has been made, we ended up paying the XXXX property taxes, including late payment penalties fees ( which built up to the amount of {$720.00} ) from personnal bank account. 
It turned out that following succesful outcome of our complaints to CFPB and our other attempts, LoanCare finally agreed to and proceeded to paid for our XXXX Property Taxes + late payment penalties - twice - on XX/XX/XXXX and XX/XX/XXXX. 
We submitted a property tax + late penalties refund to the XXXX County Tax Office, but our request was denied since XXXX County already refunded to LoanCare their two payments ( Property Tax = {$4400.00} and Late Payment Penalty = {$720.00} ) - see attached letter from XXXX County Tax Office. 
In XX/XX/XXXX, we sent another Notice of Servicing Error to LoanCare to get reimbursement of the late Payment Penalty that LoanCare formally agreed to pay in their response to our complaint to the CFPB - see attached - explaining clearly that LoanCare took care of the late payment penalties, BUT got them refunded afterwards. 
LoanCare answer to our Notice of Servicing Error dated XX/XX/XXXX is attached. 
It is not providing satisactory explanation or response as it states that there is no more late penalties outstanding on our Account, because LoanCare took care of them. This is not correct as LoanCare got refunded for these two payments ( as stated in the letter from XXXX County Tax Office ). 
Therefore, technically, we paid the late payment penalties that are LoanCare 's responsiblity. 
We are requesting immediate reimbursement of these late payment penalties ( by check - since we have paid off this mortgage in the meantime! ). 
Thank you!
Product: Payday loan

I had an outstanding loan of {$200.00} with this company. I was trying to get them on my debt counseling program XX/XX/XXXX. My debt counseling program contacted Cash Central with a proposal and I followed up a few days later with Cash Central. They claimed they never received the fax and took out {$120.00} as repayment for my loan. I kept at my debt counseling company and they told me that Cash Central was on board and I would be paying them {$25.00} a month. I set up the repayment date to be XX/XX/XXXX and shortly afterward, I received an e-mail from Cash Central stating that they would take out {$27.00} on this date. 


I asked my credit counselor if they were actually on board with the program because they were doing an automatic withdrawal on XX/XX/XXXX. She told me that it was up to them to void the ACH. I asked Cash Central to do that and they said that was not neccessary. In lieu of this, I told my credit counseling company not to take out the {$25.00} for XX/XX/XXXX since they were going to do it. 





On XX/XX/XXXX, I received an e-mail that my Cash Central Agreements were now void. Now to my understanding, my credit counseling program was going to make a payment to Cash Central out of this month 's payment. However when I checked my bank account yesterday, XX/XX/XXXX, I found out that I was overdrawn by {$65.00}. Cash Central tried taking out {$110.00} from my account without telling me. I am now in worse of a mess than I was before and I have two payments that are now rejected because of this and my credit rating will suffer. My bank is XXXX and the local office is in XXXX XXXX, NV.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUESTED THAT ALL FRAUD ACCOUNTS BE REMOVED. COMPANY 'S FAILED TO DO SO.
Product: Student loan

Back in XXXX, I spoke with customer service representatives, who informed me that my XXXX payment should have been completed, but for some reason the XX/XX/year> payment was being marked as not qualifying ( Im sitting at XXXX ). They informed me that that indeed should have counted as a payment under the XXXX pause that counted those months towards PSLF, specifically being the last month to count for it. They informed me that the way to get that fixed was to submit a reconsideration form, which I did in XXXX. After not ever hearing any information back, I called and did another reconsideration. I was told that the reconsideration was declined because there was already XXXX opened even though they closed the XXXX XXXX, which was the first XXXX with still no resolution. The person that I spoke to again confirmed that payment should have counted, and that if the reconsideration didnt work, the next step was to file a complaint ( which I did a couple months ago ). I have been going back-and-forth with them. I have also been kicked off of my save plan which I was already on, so I should be on a forbearance with the legal actions that are taking place, but that loan that is sitting at XXXX keeps getting taken off the forbearance. XXXX said that its not on a qualifying plan, even though it was, or I wouldnt be at XXXX payments, and I never changed it myself. I am told that I have a balance due, while I am still waiting on a resolution with this final payment. As a last resort, I requested buyback information to hopefully buy back that final month from XX/XX/year>. I have also not received any correspondence from that. After multiple phone calls and being on hold this is my last resort to try and get somebody to help me.