23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a wage garnishment document from my employer from a debt collector that has been apparently selling an account behind my back over and over for 20 years without my knowledge. I was never served or made aware of these court filings that were taking place for 20 years. I had no knowledge of this account due to the fact that it is over 20 years old. There was never a judgment on my credit from XXXX like the garnishment states nor was the account ever on my credit as a repossessed vehicle. I do not owe anyone {$65000.00}. Ive never purchased a vehicle that expensive before. I am a XXXX mother of XXXX children with no family or help and can not afford a wage garnishment. I pay 100 % of all expenses for three people on a very minimum salary. The statue of limitation is almost run out on this account TWICE based on California State laws. Im not even sure why Im receiving this garnishment or if it is even legal for creditors to constantly sell a 20 year old account over and over and for them to try to garnish your wages after two decades in California. I am disputing this very old debt claim and the amount is absolutely outrageous for a account that is over 20 years. I was never made aware of these proceedings. I had to reach out to the company on the letter from my employer they never reached out to me about this.
Product: Mortgage

SUBJECT : SURPLUS ESCROW ACCOUNT WITH MY MORTGAGE COMPANY, ( MR. COOPER dba Nationstar Mortgage, LLC ) Around the first of XXXX, 2022, I checked the Mr.Cooper.com website, and found out that I had an " Escrow Surplus '' in my account. The website stated that this escrow surplus, in the amount of {$1500.00} would be mailed to me on XXXX XXXX. It is now XXXX XXXX, and I have not received the escrow surplus check, ( but, I have received other literature from them regarding refinancing, etc. ). On XX/XX/2022, I spoke with representative XXXX ( because I still hadn't received the check ), and she said to call back the morning of ( XX/XX/2022 ), if I hadn't received the check. I did call back, and I spoke with XXXX. XXXX stated that I should get the check by XX/XX/2022. At this point, I feel like I'm getting the run-around ( especially so since I've gotten other literature from them in a timely manner ). It's my understanding that it is illegal for a mortgage company to retain a surplus escrow, but my mortgage company, Mr. Cooper, is doing just that. 

CFPB, your assistance in helping me is appreciated. 

Thank you, XXXX XXXX, ( Loan Number XXXX )
Product: Debt collection

This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) a contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do not owe is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1962 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute of the validity of your claims.

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 station, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX Nevada Credico , Inc dba Quantum Collections put a garnishment/ hold on my bank account for XXXX, never stating the reasons, items/ service/ debt. It was never on my credit report. I was never served. My name is spelled wrong and the address is completely incorrect. When stated that the call was being recorded, the debt collector hung up. I do not owe any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

i opened a loan and investment account with them back in XXXX of 2018. i ran into financial issues in XXXX due to job changes. i know i had enough money in my investment account until i got my money right to cover payments. i called them dozens of times to have my investment account put towards my loan and was told every single time " that's no problem, we will just need to have a supervisor contact you back to do so. well a supervisor never called me back after any call, anytime i requested one, one was never available. now they are reporting negative payments on my report while i have been doing nothing but trying to resolve the debt and their negligence is causing it to be later and later
Product: Credit card

I opened a store account through XXXX Comenity Capital Bank, XXXX XXXX when promoting 15 % off purchase. I gave the lady at register my current license. XXXX XXXX XXXX XX/XX/XXXX I realized I never recieved a card or statement from XXXX. I contacted customer service to notify that I have not recieved anything but I wanted to pay the balance and close the account. Which I thought I did. XX/XX/XXXX my husband and I apply for HELOC and bank notifies me that my credit score is XXXX because of outstanding balance of XXXX to Comennity Bank. I still never recieved a statement in the mail or email. Comenity Bank called a couple times but I didn't answer assuming it was a scam call because I wasn't aware of having any loans with them. I contacted Comenity Bank and immediatly paid the XXXX ( although I should have disputed but trying to fix my credit score fast for HELOC ). The agent explained that when I paid off the balance owed and closed the account, Comenity Bank charged me interest the next day, which I was unaware of and accummulated into the {$140.00} -- of their fees and charges on this closed account. I also verifyed my address on file which was still wrong. It was an address I hadn't lived in over 12 years and definitely was not on my license. XX/XX/XXXX several days later I called Comenity Bank again requesting my account number so I could pull information up online so I could write to Comenity with the statements asking them to reverse the credit score and refund the ( XXXX + the now {$2.00} ). I never had the account number and I was unable to set up online to view the account. During this call I asked to double check there was no balacne and the account was closed -- I asked her to say the amount out loud so I could record -- which she said I wasn't allowed to do but the credit card company has recordings of all conversations. That is when I was notifed that I was charged AGAIN ( {$2.00} ) and would need to pay it off -- on the same closed account. This is two times this company has charged interest to me on a closed account. I have had excellent credit for 30 years and I would have never let a minimal charge ruin my credit if I would have known about it.
Product: Debt collection

I was a patient at XXXX XXXX XXXX from XXXX until XXXX. The doctor that oversaw my health was a good doctor. I ceased going because of the poor treatment that I received from the support staff. At my last visit a negative incident occured in the waiting room where I was humiliated by one of the counter staff members loudly and falsely stated in front of all the patients in the waiting room that she could find no record of my insurance and that I NEVER WAS A CUSTOMER OF XXXX XXXX! This statement was false. At the same timeI felt so humiliated that I could not speak, Another patient became so afraid that she pulled out her insurance card and rushed to the window to show the lady that she had insurance, .I did not tell the doctor because I was so uncomfortable and felt unwelcome that I just went through the visit, paid the bill and left. 

It was after this negative event that these so called " bills '' for visits that I did not make were sent to me from a collection agency. Furthermore I since have discovered that these " bills '' that are label as office visits were based on appointments that I had to change due to my work schedule, not actually office visits. In addition the amounts reporting exceed the amount of the bill that was paid. I found the documentation recently from the insurance company and the billing that was sent to them from XXXX. 

I have reason to believe that this negative information evolved as a result of the poor treatment I received in the reception room.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute letter in XXXX to remove inaccurate information from my credit report and it is XXXX this account is still reporting on my credit report and i have not heard back from them
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX XXXX.

I am a young adult XXXX XXXX blessed in the surrounding of law enforcement professionals.

incident ) XX/XX/XXXX Where ) MERCEDES BENZ OF XXXX, ca Purpose of visit ) maintenance on car ( purchased through them and full price. ) Not only do I have proof of identity theft, but XXXX XXXX is happy to fax anytime the existing process my victim ID number when it came to the sales pitch of getting a ledge a debit card ( s ) consumers mistook / gave their trust & all of our credit scores dropped. ( released XX/XX/XXXX / NEWS - I wish photographs could be shared here.

As a XXXX XXXX, the previous managers of MB XXXX  were very close clientele of ours.

I walked into one familiar face ( my service tech ) and proceeded with tuneup
Product: Debt collection

Since XXXX, XXXX attempts to validate this debt have been made, company refuses to validate
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letter to experian to close my account Membership account. They have continued to bill me after I attempted to close the account in XXXX of XXXX. I have called but they never answer the phone. I have mailed letters but they never respond. 

They have locked my credit file but I'm still being charged for costs I didnt authorize. They have acted inappropriately by locking by credit file without my authorization and have not provided any remedy to resolve the matter quickly. 

Experian has acted inappropriately and does not support consumer based questions or issues. It shouldn't be this hard to access my own information and close this account. This is abusive behavior by Experian!!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update in my credit file XXXX XXXX Balance Owed : {$670.00} ; XXXX XXXX XXXX Balance Owed : {$630.00}
Product: Credit reporting or other personal consumer reports

Experian is reporting several inquiries that are not correct. I did not give the lender or Experian to release my personal information to these companies furthermore they provided me with no service or explanation as to why they requested my consumer report. Experian is violating my rights as a consumer because I have a right to privacy and releasing this information violated my privacy. Provide the documents used to verify this information do not respond with a generic response because I will sue. 

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: Credit card or prepaid card

On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.Not letting me access my equity/interest which is an indication of violation of securities, breach of contract, and security fraud. They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still account is not credit as instructed.
Product: Mortgage

I requested an escrow analysis and after the analysis, they stated that there was an escrow overage and that they were going to send me a check for the amount I overpaid. I have since then waited for almost 2 months and they have yet to issue my check. I have followed up with them on this multiple times through the customer service department. Every time I ask about this they just tell me that a check should be sent, but they can never tell me when it will actually be sent. I have waited for months and every time I ask them they tell me theres nothing they can do about it and I just have to wait. That is money that could be earning interest in a separate account, and yet they are holding it hostage and refusing to pay it out.
Product: Credit reporting or other personal consumer reports

I noticed a credit inquiry on my XXXX credit report from Synchrony Bank XXXX. I contacted the lender, as I have an account with them. They stated that the inquiry was the result of a credit line increase. However, when I was not informed that an inquiry would result. There was no information given to me that indicated that a credit inquiry would report to my credit bureaus. I have requested to have it removed. I received a letter from the company stating that it was a valid inquiry. I responded via certified mail that I did not agree with their results, requesting proof of the same. I have not heard back from the company.
Product: Mortgage

The company violated the truth and lending laws for having a default clause written in two different areas of the mortgage. They have a clause they slipped in that charges 23 % interest on the unpaid principal balance per day until the loan is taken out of default status. 

I wrote in the mortgage I do not understand what I was signing and didnt understand how you needed to read one part of the document to refer to the default interest clause. Since the default interest is so high the only true way to take it out of the default is to roll the interest to the back of the loan stripping away all the equity in 1 month. 

One of Fay Servicing method to putting the loan into default status is by stop paying the insurance dwelling policy. They let the policy lapse and place force placed insurance on the property and hike the monthly payment ridiculously high to where it is unaffordable. They automatically take the premium out of the escrow account and give it to one of their affiliated insurance providers for a kickback.
Product: Credit reporting or other personal consumer reports

Someone is applying to multiple credit cards under my name and It wasnt me who applied.
Product: Checking or savings account

On or about XX/XX/XXXX I called with my mother to open a new checking account with USAA. They took my {$25.00} and said an account would be opened. They have not opened an account and my money is in limbo. They keep asking me to provide the same documentation repeatedly. I have existing banking relationships with much bigger banks and a smaller credit union, and I have never experienced this level of " service. '' This is not military friendly.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is in regards to an XXXX credit card account # ending XXXX i called them early XX/XX/2018 to pay off my balance. After being transfered multiple times i was transferred to the collection department only to be told no one could take my payment and gave me # XXXX to call and pay. i called that # only to be told they did not have the account. On XX/XX/2018 I called XXXX again transferred multiple times again to be told they cant take my payment and to call XXXX XXXX XXXX. I calld XXXX XXXX XXXX  and paid them in full on XX/XX/2018. They did not give me a receipt. but did say it would update to a paid in full within 30 days. That never happened. Now as of today XXXX is reporting a " chargeoff '' to the bureaus reflecting a derrogatory on my credit costing me my home loan. I want this rectified as I do not have long and want to leave a clean slate for my family. This is horrible that my credit report reflects payments on time at 100 % for this company who I have tried to work with and pay since the summer.!!! This is unacceptable and demand this be removed from my credit file.
Product: Credit reporting or other personal consumer reports

After getting reports from them and disputing asking where they got the info and how they verified it. It took over XXXX  months to reply with a list of vendors. Such as XXXX, XXXX etc. I sent request XXXX XXXX to for reports. They claim then disputed with them as to how they verified info. After 2 months they claimed from the court. Which is a lie as I have a letter from the court that they never provide info to companies like XXXX or XXXX. So I disputed with Experian and XXXX to remove entries. They still have not removed them. After XXXX  months and no other word from them.
Product: Debt collection

I received an alert from XXXX  about an account being reported by Medical Data Systems for XXXX  XXXX  XXXX  XXXX  XXXX  for {$2000.00}. Please be advised that I never received a or verification of the item reported to XXXX  by Medical Data System is a VIOLATION of the HIPAA Act of 1996.

Medical Data System did NOT provide me a HIPPA release to access my medical information including charges stemming from services rendered and protected by HIPPA, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Medical Data System should this item not be deleted within the required time allowed by law. Medical Data System is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX  as well, since they are the only bureau incorrectly reporting this debt.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX, XXXX has reported an Employer I never worked for or have put that information on credit applications without verification of employment, Ive been XXXX for over 30 years. This has damaged my credit when it isnt true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax on XX/XX/2017 certified with a return receipt. I did receive the return receipt verifying that the dispute was received. The Equifax website has the Dispute confirmation # XXXX, the status still as pending and the dispute date as XX/XX/2017 with and estimated completion date of XX/XX/2017. Today is XX/XX/2017, and I have still not received any response at all, and the status is still showing pending. I have contacted Equifax through their website with no response. The guidelines state 30 days for an investigation, being that the process has taken well over 30 days I would like the items removed immediately.