23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX a judgment was filed under case number XXXX from MIDWEST ACCEPTANCE for XXXX which included Principal, interest, attorney 's fees, court costs and process server fees. The first garnishment came out of my check XXXX XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX totaling {$14000.00}, which that means they owe me the difference of {$2200.00}. Per case net it shows that Balance due as of XX/XX/XXXX was {$0.00}. After this judgment had been met including all the interest payments Midwest Acceptance and their attorney 's office came back on XX/XX/XXXX for a judgment amount of {$4500.00} in which they garnished out of my check on XX/XX/XXXX {$280.00} and will continue until this predatory collection activity STOPS! Also, they sent certified postal mail to an address we never lived at a day in our life XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX, MO XXXX. This judgment was previously satisfied then when I called on Monday, XX/XX/XXXX they said it was interest payments however the interest was paid that was included in the original judgment amount. Midwest Acceptance is also garnishing my wife 's checks XXXX XXXX XXXX for the same vehicle when the judgment was previously satisfied by me, when she had a order of dismissal to dismiss without prejudice at Plaintiff 's costs. Also they never put in the system SATISFACTION OF JUDGEMENT BACK IN XX/XX/XXXX when the Balance had been met. My wife 's judgment was filed on XX/XX/XXXX in the amount of {$9600.00}, which also included Principal, Interest, attorney 's fees and court costs. This garnishment started on my wife 's check XX/XX/XXXX and so far has collected a total of {$800.00} now making the difference of what is owed to myself XXXX XXXX XXXX and my wife XXXX XXXX XXXX {$3000.00}. This is definitely predatory and they are not doing anything to stop collection activity. This has really been damaging to our credit and has caused punitive damages as well and we won't our money back and garnishment activity to cease. PLEASE HELP!! 

Thank you
Product: Debt collection

on XX/XX/XXXX I received a letter from Jefferson Capital Systems LLC stating that acct # XXXX XXXX Ref # XXXX Debt Description : XXXX ACCOUNT Amount of Debt {$61.00} needs to be paid & the options I have to settle this debt. 
I contacted XXXX at XXXX & was transferred to the collection department when I supplied the account # on the letter. They stated this was a fee for a transfer deposit totaling over {$2500.00} to this XXXX account from XXXX XXXX for some sort of custom knives in XX/XX/XXXX. She suggested that maybe I sell things like on XXXX, which is incorrect. I have never used XXXX to sell things. There is a charge of {$61.00} fee to receive the funds. I inquired what bank account this XXXX account was linked to as it is separate from the legitimate XXXX account that I actively use. She stated this account was never linked to a bank account & she asked me to verify my email address. I gave her my email address XXXX. She said that does not match the account but she would be unable to provide any more details regarding this account because it was sold to XXXX XXXX. I requested to close the account so it may not have further use & she stated that XXXX XXXX would assist me with that. If I want details & proof of the debt/transactions I have to contact XXXX XXXX. She gave me the # to contact them at XXXX. 
I contacted XXXX XXXX at the number provided XXXX per their instruction. XXXX XXXX required I give them my personal information which I did not feel comfortable doing just to talk to them regarding the debt. Then stated they do not have any details regarding the debt, nor can they close the account. They just know the balance & are seeking payment of the debt. They can not provide proof of the debt. The notice I received in the mail says I can request proof of debt from XXXX XXXX. He then stated he would be marking this as a disputed account & no further action would be taken until the investigations team could take a look at the account. I requested to speak to someone on investigations or anyone that could give me more information & he just reiterated that they do not have details regarding the debt & said this will be referred back to XXXX for payment & resolution. I should receive a letter from the Investigations team around 60-90 days from now detailing the outcome of the investigation that I apparently don't need to play a role in according to XXXX & XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

On XX/XX/2022 I was given a bill for {$690.00} for an address I did not live in. I told this debit collector that was bothering me to stop and they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting an investigation for fraudulent information that was found on my credit report. I want my financial freedom back and it is my right to have EXPERIAN 's assistance. 

The items that I am writing to you about are listed below. Please be sure that the items are thoroughly looked into. 

I request that you remove the following INQUIRIES that are related to fraud, removed from my credit report : 1. XXXX  XXXXXXXX XXXX Date :XX/XX/XXXX.

2. XXXX  XXXX. Date : XX/XX/XXXX.

3. XXXX XXXX XXXX  XXXX. Date :XX/XX/XXXX.

4. XXXX XXXXXXXX  Date : XX/XX/XXXX.

5. XXXX  XXXX  XXXX XXXX. Date : XX/XX/XXXX.

6. XXXX  XXXX XXXX. Date : XX/XX/XXXX.

7. XXXX. Date :XX/XX/XXXX.

8. XXXX  XXXX  XXXX. Date :XX/XX/XXXX.

9. XXXX  XXXX XXXX. Date :XX/XX/XXXX.

10. XXXX  XXXX  XXXX. Date : XX/XX/XXXX.

I am just asking for a fair solution. all the mentioned inquiries are related to fraud.

I request EXPERIAN to remove them from my credit report.

Thank you.
Product: Credit reporting or other personal consumer reports

I recently received a letter from XXXX XXXXXXXX stating that it was a data branch that took place between XX/XX/XXXX - XXXXXX/XX/XXXX as I will be attaching the document to this complaint. XXXX days later I received an alert that there was a negative account on my credit report that I didn't consent to, nor did I authorized original creditor XXXX XXXX now collection agency XXXX XXXX XXXX XXXX to report account # # # # # XXXX Date assigned XX/XX/XXXXand it reported to my credit report on XX/XX/scrub>XX/XX/XXXX
Product: Credit card or prepaid card

On or about XX/XX/XXXX, an unknown person or persons opened fraudulent XXXX accounts using my credit card issued by HSBC. The first charges, on XX/XX/XXXX, were small ( {$1.00} and {$14.00} ) and I missed them when I reviewed my statement. The next FIVE charges, made on XX/XX/XXXX and XX/XX/XXXX totalled {$3500.00}. I IMMEDIATELY called HSBC and notified them that these charges were fraudulent. I also called XXXX and they confirmed that the accounts did not match any information on my legitimate XXXX account and were considered fraudulent charges. I also notified HSBC of this determination by XXXX. The HSBC representative told me to submit in writing the charges I was disputing and if they could not determine them to be fraudulent, they would charge me interest on the charges, which I would be expected to pay. 

I made a spreadsheet of the disputed charges, with dates and transaction numbers and sent that information to HSBC at the address they provided to me. I also paid the legitimate charges on the account and immediately stopped using the account. HSBC closed the account and issued new cards, which I have never used. 

The statement received the next month ( ( XX/XX/XXXX-XX/XX/XXXX ) showed all charges had been cleared and they determined they owed me an additional {$540.00}. I requested that amount to be refunded to me and planned to close the card account. The next statement showed the {$540.00} refund and a balance of {$0.00}. The NEXT statement, dated XX/XX/XXXX, showed that three of the disputed and previously settled charges had once again been charged to my account and that I now owed {$1500.00}!! I immediately AGAIN contacted HSBC, talked with three people over the course of an hour and they now say they will " look into the matter '' but that I owe them this money, plus any interest accrued while they " try '' to settle this case. 

I DID manage to cancel the credit card during the course of these conversations, but still have had no word as to how their internal bookkeeping can not seem to settle this case. The three charges are clearly three of the charges I sent to them on my spreadsheet, dated XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian continue to report incorrect information on my consumer report. My name and address is incorrectly reporting and I previously disputed this same information and they stated they remove it but I paid for a copy of my consumer report and the information still appears on the report. I have provided proof of my identity and residency to prove this information should not be reporting on my consumer report. 

XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

We started a refinancing with Royal United Mortgage XX/XX/XXXX we sent all required documents. Paid to have house appraised XXXX We were told in would take 30 days refinancing process and not to worry about our XXXX house payment because it will be finished by end of XXXX! Well today is XX/XX/XXXX and we still haven't heard anything positive from our loan officer!! And we have been late on our XXXX house payment and playing catch up on our XXXX payment! Our loan officer keeps giving us the tune around that he's working on it! If we didn't qualify why didn't he he just tell us that!! We are very disappointed we had estimates done on our bathroom and garage plus some bills were suppose to get paid off. This waiting has really put us being as far as mortgage payment being late!!!
Product: Debt collection

No debt due as there was no services provided. Apartment charged for Security Deposit but never lived at the property or signed a lease, attempted to dispute with debt collector but they refuse to release me after giving evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found incorrect items on my report investigation taking longer than 30 days
Product: Credit reporting or other personal consumer reports

I recently locked my credit report with the assistance of my fiance. She is helping me. I am a XXXXXXXX XXXX XXXX XXXX In XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since then, I have been losing my eyesight slowly each year. I am now XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and have no Drivers License in any state as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have 100 % XXXX with the XXXX due to this XXXX. I am not sure who is attempting to apply for cars or automobile loans in my name, but it is not me. I have not provided anyone with permission to apply for anything in my name that pertains to a car since I can XXXX XXXX XXXX and I XXXX  everywhere I go, unless someone drives me. See attached my state ID, XXXX and a screenshot of confirmation emails for XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I also have not been known by these names. My name is XXXX XXXX XXXX, XXXX. The following names are not who I identify with. Please remove the following names from my report. 

XXXX XXXX XXXX Please remove the following addresses from my credit report. These belong to relatives and are not mine. 

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

I recently obtained a copy of my credit report and these accounts are NOT mine.Please investigate and remove these fraudulent accounts from my credit report. Please send an updated copy of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorized these creditors to pull my credit and I have no knowledge of these creditors. The hard inquires listed below are fradgelant. I have dispXXXX XXXX XXXX XXXXuted these hard inquires through Experian and the creditors and have been ignored. Both companies have not validated these inquires and I want them removed ASAP. 


1. Experian & XXXX  XXXX XXXX XX/XX/21 2. Experian & XXXX XXXX XXXX XXXX XX/XX/21 3. Experian & XXXX  XXXX XXXX XXXX XX/XX/21 4. Experian & XXXX XXXX XX/XX/21 XXXX. Experian & XXXX XXXX XXXX XXXX XX/XX/21 6.Experian & XXXX XXXX XXXX XX/XX/21 7 . Experian & XXXX XXXX XXXX XX/XX/21 8. Experian & XXXX XXXX XX/XX/21 9. Experian & XXXX XXXX XXXX XX/XX/21 10.Experian XXXX XXXX XX/XX/21
Product: Credit reporting or other personal consumer reports

The ACCOUNTS listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I defaulted on an EagleBank business loan with a principle balance of {$330000.00}. EagleBank holds a first lien in the amount of {$110000.00} on my dwelling. I filed for XXXX XXXX on XX/XX/XXXX and was absolved of {$340000.00} debit to EagleBank on XX/XX/XXXX. EagleBank, my bankruptcy attorney or the Trustee presiding over my case made it explicitly clear the lien was not included in the XXXX  XXXX proceedings. To date, I have not received a statement nor any documents from EagleBank that details the repayment terms of the lien. 

Previous attempts with my attorney to establish a repayment schedule with EagleBank on the lien has been unsuccessful. On XX/XX/XXXX, I was notified by my attorney that on XX/XX/XXXX EagleBank began foreclosure proceedings on my dwelling. 

Throughout this process, I have been told by my attorney the process with repaying XXXX liens due to bankruptcy is complicated and there are no clear laws to mitigate such issues.
Product: Mortgage

I

n XX/XX/XXXX/XX/XX/XXXX I had 3 significant events that changed my life- a death in my family, an illness and unemployment, this the reason why I began to fall behind in mortgage. In XX/XX/XXXX,
I had applied for mortgage assistance and was given the run around for several months. At first I was told to send in my husband 's financial information including his pay check and his tax returns and  several months later I was told his income can't be included. So I applied for unemployment forbearance and was accepted for forbearance for 6 months. In those months during modification, I asked to pay down mortgage so I wouldn't get further behind. I was told by agent on several occasions that I would like to make a payment toward my mortgage and they refused to take payment. In XX/XX/XXXX ( XX/XX/XXXX-XX/XX/XXXX ), I  made every payment for the unemployment forbearance. At the end of the forbearance, I was told to apply for modification. The agent said I would not be able to use my husband 's income toward modification, but he can pay me rent toward property, which he did. He paid {$2000.00} for him and his son ( XX/XX/XXXX through XX/XX/XXXX ). We did as we were told by Chase agent and payments were made toward rent. I was informed in XX/XX/XXXX that the rental payments could not be considered. Also, I was told that my husband 's income could be considered at numerous times and then they changed their mind and said it could not be considered. I have asked numerous times can my outstanding balance be added toward end of the loan, so we can start making payments. Also, I made a call about reinstatement fee and they mentioned I a foreclosure was ordered last summer while I was in the middle of forbearance/modification process. Chase has no business being in the mortgage business, they are very manipulative and lied to me about the status of account on numerous occasions. They have purposely delayed the modication process so I would be further and further behind. Also, they basically told me there is nothing I can do since my loan will be sold in XX/XX/XXXX. This is frustrating as a long time customer of Chase mortgage and my household has an income to pay the mortgage. It's frustrating that we want to pay, but it has not been accepted for over a year. Chase has caused this problem, they need to rectify their wrong.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated and disappointed with the lack of response from your bureau regarding my dispute submitted over 30 days ago. According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes within this time frame. However, I have received no communication or resolution. 

This delay is a clear violation of my rights under the FCRA and has caused unnecessary stress and inconvenience. I provided all the necessary documentation and details to support my dispute, yet it remains unaddressed. 

I demand an immediate and thorough investigation into my dispute, as well as a detailed explanation of why my dispute was not handled within the legally required timeframe. This inaction is unacceptable and undermines the credibility of the credit reporting process. 

Please address this issue promptly and ensure that the inaccuracies on my credit report are corrected without further delay.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Equifax credit report and discovered several unauthorized inquiries that I did not approve. This is deeply concerning and requires immediate action to rectify. Please see below. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX, Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Debt collection

A supposed XXXX XXXX called my employer stating he was from Oracle XXXX, left his number for me to call back, I work XXXX shift, my employer then calls me at home to give me the message. His callback number is XXXX, I work for an XXXX XXXX XXXX, I have no clue what this is regarding, when I called back he would n't give me any information other than this is a debt and he is sending the police to arrest me at my work if I do n't pay him {$1500.00} right now. I told him to NEVER call my work again and hung up, he immediately called my work again.
Product: Credit reporting or other personal consumer reports

Remove these inquiries. I do not have any knowledge of them, and the company proceeded without my consent.
Product: Credit reporting or other personal consumer reports

I contacted Equifax on XXXX to let them know that the Illinois Department of Revenue sent me a letter letting me know that my private information had been exposed in a data breach and unknown persons now have access to my social security number, birth date and other sensitive information. Months after receiving the letter creditors that I have never done business with started to call and mail me about debts that I know nothing about. I contacted the Federal Trade Commission and they advised me to contact the credit bureaus. I contacted Equifax and sent them a copy of a police report I made about the incident, an FTC identity theft report and the letter from The Illinois Department of Revenue discussing the data breach where my private information was exposed. It has been more than 30 days and Equifax has not removed the fraudulent accounts from my credit report. This is a violation of the FCRA willful non-compliance. The accounts that need to be removed are XXXX XXXX {$2900.00} Opened XXXX XXXX, XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6300.00} Date Opened XX/XX/XXXXXXXX  Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9600.00} Date Opened XX/XX/XXXXXXXX  Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} Date Opened XX/XX/XXXX Original Creditor Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original filing XXXX XXXX, XXXX  Latest status dateXXXX XXXX XXXX  Reference XXXX Record typeBankruptcy XXXX  XXXXdismissed US BKPT CT IL XXXX Original filing dateXXXX XXXX XXXX Latest status dateXXXX XXXX XXXX Reference XXXX Record typeBankruptcy XXXXXXXX XXXX-dismissed
Product: Credit reporting, credit repair services, or other personal consumer reports

I used XXXX to attempt to build credit. I purchased an item with their online store credit for a total of {$240.00}. When it arrived it wasn't what I expected but had issues returning it due to a damaged return label. I requested another one but had difficulty receiving it until after the 90-day return policy. During this time I made payments. The payments were returned to me and I spoke with them about this. I made the payment with a person on the line and she agreed it went through. The account said that. They still reported me 30 and 60 days late on my credit report. They didn't use the date I made the initial payments but rather the day that I corrected the issue. I would like them to remove the late 30 and 60 day reports from all three credit reporting agencies. This has caused a XXXX point drop in my credit score over something under {$250.00} and because of that my mortgage was denied according to my mortgage agent. I spoke with free legal advice experts at the XXXX XXXX  who referred me to you. I have tried resolving the issue with the company and they can not give me timelines to fix the issue as I have a child on the way and I desperately require moving into a larger home.
Product: Money transfers

XXXX USES WESTERN UNION TO TRANSFER CASH TO FOREIGN COUNTRIES. There are n't any signs displaying the Western Union charges of {$9.00}. XXXX charges {$10.00} instead of the correct price of {$9.00}. Please insure that XXXX charges the correct amount of {$9.00} for money transfers by Western Union and that it displays Western Union signs displaying the correct prices as soon as possible. The address of this XXXX location is:XXXX XXXX XXXX , XXXX , VA XXXX.