23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing in regard to a case pertaining to Alaska Cascade Financial Services Inc. I was improperly served a summons and now having my bank accounts garnished for debt that I have no knowledge of owing and do not owe. The summons was dated XX/XX/XXXX and I didn't receive the paperwork until returning to find it under my door around XX/XX/XXXX. When following up on this matter contacting Alaska Cascade to get further information I was informed that the contact listed ( XXXX XXXX ) on the summons was no longer working on the case and to reach out to XXXX XXXX who was I was told no longer worked for the company and then was provided follow up contact information which I left a voicemail and never got a response. 

As time past and I reached out to the XXXX  XXXX XXXX for legal advice, I was told to contact that XXXX to dismiss the case on the grounds of the summons process being compromised and no being served in the 90 day window to do so. As well as the plaintiff not complying with any of the court case schedule. I gave XXXX another call and again never received a response, so I went forward to preparing my documents and witnesses for the trial to find out that there was now an application for a writ of garnishment that was sent out that I didn't receive until after finding out that there was a judgement already in place and my funds held by my bank although the trial date for the case was set for XX/XX/XXXX. Being effected by XXXX this has been a further hardship financially and a burden mentally. I called XXXX again and finally got the chance to request a detailed summary of what I was owing and why, he said that he'd send me that information and never did! 

After going through the proper channels to respond to all the documents to seek exemption from the claims and to recoup my monies that are being improperly held I obtained a new trial date in regards to the Writ of Garnishment XX/XX/XXXX that the plaintiff no showed. Weeks later I received new trial date for " proposed judgment on answer and order to pay '' for XX/XX/XXXX. 


I received the summons and complaint but service was not correct as required by law. 
I do not owe this debt. 
I disagree with the amount stated. 
There was a violation of good faith and fair dealing. 
I did not opt into or receive the product or services that the plaintiff is saying that I did.
Product: Mortgage

WE SIGNED LOAN FINANCE DOCUMENTS TO ONLY LOWER OUR MORTGAGE INTEREST RATE, AND THE LOAN DOCUMENTS WERE CORRECT. THE LOAN BALANCE WAS NOT TO INCREASE AT ALL AND THE LENDER WSA PAYING THE XXXX CLOSING COSTS. WHEN THE FINAL DOC 'S WERE PREPARED, THE TOTAL LOAN BALANCE INCREASED BY XXXX, AND WE DID NOT CATCH THE ERROR. I 'VE CALLED NUMEROUS TIMES, WROTE TO THE COMPANY AND THEY ARE NOT DOING ANYTHING TO CORRECT THIS. THEY STATE THAT I SHOULD HAVE CAUGHT THE ERROR BEFORE SIGNING THE DOC 'S IN MY HOME. THEY PROMISED THAT MY LOAN BALANCE WOULD NOT INCREASE ... I WOULD NEVER HAVE AGREED TO THIS IF I HAD TO PAY ANY FEES. IT WAS A VERY SMALL REDUCTION IN INTEREST RATE.. I HAVE ALL OF THE DOCUMENTATION AND I 'VE ALREADY PROVIDED IT TO THE LENDER BY MAIL. DISCUSSED WITH MULTIPLE EMPLOYEES AND THEY STATE THAT THEY CAN NOT CORRECT THIS.
Product: Student loan

This is the second complaint filed with CFPB in order to receive accurate recount of my loan status for the XXXX XXXX XXXX XXXX. Employer verification forms have been submitted, the latest forms uploaded on XX/XX/XXXX and XX/XX/XXXX. I am aware that FedLoans will no longer be servicing student loans and the program is restructuring. Unable to receive information over the phone. There are XXXX loans which still do not show qualifying payments, and I am curious if this will change with the new loan waiver ( XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ). I have gone through multiple loan servicers since graduating medical school in XXXX. Some loans were put on administrative holds or forbearance during the times the loan servicers changed - I want to know if the waiver changes my qualifying payments moving forward and why each loan has different qualifying amounts when all were paid equally since starting residency program in XXXX. Knowing the waiver is only in effect this year, I desire clarity over my loan status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX, IL, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION # Name : XXXX XXXX My Name is not correct. Please update. 
Other Names : XXXX XXXX XXXX This is not my former name.
Product: Debt collection

I disputed charges with XXXX. XXXX did not contest the dispute. Instead, XXXX sent the dispute to successive collection agencies. Each time the debt was disputed, XXXX moved the issue to new collection agency without addressing the underlying concern that the debt was not owed. 

More recently, Southwest Credit ( collection agency ) contacted me while I was at work. I indicated that my job was not conducive to a discussion on debt but the representative persisted. I explained that the debt was in dispute and I would provide written correspondence. I sent the correspondence and Southwest Credit continued to call me while I was at work.Southwest, having no capacity to conduct an impartial investigation, decided that the debt was owed and reported a disputed debt to the credit agency resulting in the harming of my good credit. 

I told Southwest that I was open to an an impartial arbitration, but instead Southwest acted in bad faith and reported a debt to the credit agency. Again, I do NOT the debt as all equipment for XXXX was returned. Southwest has harmed my good credit with the sole purpose of coercing payment. I have suffered significant harm to my otherwise good credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, Paypal sends me an email that they are about to close my account and hold my funds for 180 days. I asked them for reason, but they are not answer the question. The reason i am using PayPal is to sell some kinds of stuff that were not about to use or send money to my friends. However, the things that I sell have great feedback and did not have any disputes. Paypal try to shut down my account and my funds for 180 days. I try to contact them and they hung up on me. Also they were rule went i try to tell them that i did nothing wrong with their service. Please help me out, I need my funds back to pay for rent and future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I receive a message from XXXX XXXX about my credit score was hard inquire in XXXX report and my score get dawn XXXX point, and XXXX get dawn XXXX point in my credit score, those inquire was make for the company CORELOGIC CREDCO, XXXX don't have any information reported by this creditor, but XXXX give me a phone number XXXX, I try to call a several times but this number don't working. I don't know who is this creditor, I don't authorize any inquiry from none in the past 9 month, for this reason, I don't have idea how they access to my social number or any information about me, its a fraud, I don't know who they are, don't have my permission for nothing, I have two years working hard to increase my score credit this inquiry cause a terrible damage over my record, I need this situation must be cleared soon as possible. Thanks
Product: Credit card or prepaid card

I bought a Visa gift card from XXXX that indicates that it can be used anywhere that a visa debit card is normally used and this is not true. It has been declined at both XXXX and XXXX so far, which is the only reason that I bought it.
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 FCU Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : 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: Vehicle loan or lease

On XX/XX/XXXX, we went to XXXX Hynundai to see the XXXX XXXX XXXX. We had been leasing a XXXX model from them and it was up in XXXX of XXXX. We were talked into taking advantage of the year end lease incentives by turning the XXXX model in early and getting into the new lease. The dealership said they would make the 2 remaining payments, which is common practice. So we took advantage and leased the new vehicle .In XX/XX/XXXX, we received a letter and bill stating that we owed lease payments on the XXXX model for a total of XXXX. I immediately contacted the dealership, spoke to the Finance Dept who told us they would take care of it. I received no further communication from Hyundai so I assumed it was handled In XX/XX/XXXX, I received a credit report update that showed our credit score had been reduced by XXXX points specifically because of the " non payment of the lease payments '' I contacted Hyundai Finance corporate and spoke to a " XXXX XXXX '' at XXXX XXXX in NJ. 
He looked into it and told me he couldn't understand why this was happening since he showed that they had received the 2 payments from XXXX Hyundai. He needed to consult with upper mgmt and asked me to call him next week. When I tried to reach him,, I was unable to and the Hyundai finance person I did reach refused to talk to me saying it was in the hands of the collection agency so call them. 
I did and even though I sent them documentation from the the dealership showing there was nothing else owed, they claim we still owe {$370.00}. XXXX XXXX said he showed 2 payments from the dealership ( one for {$400.00} and one for {$370.00} ), so why do we still owe? 
He said the first one was received on XX/XX/XXXX and the copy of the check Hyundai gave me is dated XX/XX/XXXX. So where does another payment come from? 
XXXX XXXX sent all the documentation to Hyundai Motor Finance but they still claim we owe the {$370.00}. XXXX thinks it is possible that Hyundai, misapplied the one payment to the new lease, and we would still have to pay the {$370.00} but it would probably come off the end of the new lease. Not Acceptable. We don't have a lot of money and like many people now are struggling during this pandemic. 
Appreciate any assistance you can give with this..
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Equifax credit report and I noticed that an old account from XXXX showed up. This account was removed a few years ago and has just showed up again. This account was discharged due to XXXX and XXXX  XXXX years ago. There is no reason that this should have been added to my report. This account is old and is incorrect.
Product: Credit reporting or other personal consumer reports

I initiated a dispute on XX/XX/2023 with XXXX to remove information from my credit report that unknown and suspicious. The account shows inaccurate information and I can not confirm this is my account. When I asked for the account to be remove I receive no action and no response. The account shows a balance due and it is also reporting as a collection/charge-off. Since the account is inaccurate it must be removed because it can not be proven that it is my account with inaccurate information. Remove this account immediately. I also never received any notice that this matter was being investigated.
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 Experian and XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking theses transactions was infeasible. The CFPBs findings indicate that Zelle not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. It has been over 90 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

XXXX Chase credit card accounts that I have in good standing charged me more interest this month, even though my balance was lower. When I called, there explanation was it was calculated on the average daily balance, but how can that be when I have not used the card and my balance was lower than the previous amount?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dispute Department EQUIFAX XXXX XXXX ) XXXX Attn : Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Verification and Removal of Unverified Negative Entries Dear Dispute Department, I am writing under the provisions of the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), to formally dispute the accuracy of certain information listed on my credit report. As mandated by federal law, I request that you provide physical verification of the original signed documents for the accounts listed below. If such verification can not be provided, the FCRA requires that these entries be removed from my credit report. 



Account Number ( s ) and Details : XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Business Type : Bank Credit Cards // - Dont recognize this account Please be advised that the inability to verify these accounts may negatively impact my creditworthiness and financial opportunities. Therefore, in compliance with the FCRA, I expect any unverified accounts to be promptly removed. 

Furthermore, I wish to inform you that I have formally opted out of any arbitration clauses, reserving my right to seek legal action if necessary. 

I anticipate that you will undertake a thorough investigation of these matters and provide me with an updated credit report within 30 days, confirming the removal of any unverified information. 



Thank you for your attention to this matter. I look forward to your prompt compliance with these requests. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/2020, UHEAA that administers my student loan sent me an email telling me that my state-New York was declared a disaster region and that I qualify for loan forbearance without interest accruing during the forbearance period. I accepted the loan forbearance program which was to end in XXXX. 
On XX/XX/XXXX, UHEAA sent me another mail reminding me that the forbearance period is coming to an end in XXXX. 
I logged into my account to see when in XXXX I would start making payment. On my account, I noticed it has an outstanding interest of {$110.00} for the period of the forbearance. The forbearance was a federal initiative to help loan holders during the disaster period. 
1. The are contravening the federal guidelines on this program. 
2. I was told by a member of their staff that interest on my loan would not accrue. 
I want relief based on the above summary. 
Thanks
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX Bank concerned not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Experian, and XXXX  on providing proof of the verification of my bankruptcy and have not been provided anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

My XXXX  XXXX has been closed and reported to check system because of a fraudulent check that was deposited that was not made by me and now I cant open any more checking accounts any balance I owe XXXX XXXX XXXX I should not be held responsible for I have not deposited that check
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX on numerous occasions regarding derogatory accounts reporting on my credit file with them. The 2 creditors in reference are Colonial Auto Finance & XXXX XXXX XXXX Colonial Auto Finance is reporting a Original Balance of {$11000.00} Payment Status_ Voluntary Surrender with a Past Due Balance of {$690.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate The Closed Account should not be reporting a past due balance or monthly payment, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file. 

XXXX XXXX XXXX is reporting a Original Balance of {$12000.00} Written Off Amount of {$11000.00} Payment Status_ Charge-Off with a Past Due Balance of {$9800.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate, The amount that's supposedly written off is inaccurate, I never received a XXXX as documentation that the debt was written off, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file. 

Also everytime I submit a dispute my credit scores drop due to these disputes which is unfair to me as a consumer challenging various inconsistencies on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I sent Transunion a dispute request regarding an unverified account from XXXX XXXX XXXX Asking to have the debt verified. I also send a debt validation letter to XXXX XXXX XXXX tracking # XXXX which shows the debt validation letter was delivered and sigh for on XX/XX/XXXX, XXXX. After viewing a recent copy of my credit report I noticed you have already indicated Account information disputed by consumer, meets FCRA requirements. How were you able to verify, when the collection agency has not even been able to validate the debt. You allowed them to close the account, when it SHOULD BE REMOVED/DELETED FROM MY REPORT COMPLETELY. 

I CAN NOW PROVE YOU ARE IN DIRECT VIOLATION OF FCRA for FAILING to conduct a reasonable investigation with respect to the disputed information and continuing to report inaccurate information after being notified of the inaccuracies.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent XXXX dlls to XXXX, the delivery promise was XXXXXXXX XXXX and then it changed to XXXX XXXX  on XX/XX/2023 and I still haven't received the deposit, I contacted remitly and they indicate their partner is validating information. I asked remitly last week to increase the amounts I can send and uploaded to their app, my ssn, id, place of work, position, evidence of my account statement. I sent the money to pay my concubine 's credit card debt with XXXX
Product: Checking or savings account

I had XXXX plus in my chime checking account that the irs sent me for my tax return. They ask me to verify my tax return I sent in 1040 transcript and also irs acceptance letter and my ID they still closed my account after I verified the information they requested. Chime closed my account XX/XX/23