23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX Allianceone tried to garnish my bank account ( SSI Funds ) They sent a certified Writ of garnishment, certification of writ, exemption of claim form, notice of rights, to what they claimed as my last known mailing address XXXX XXXX XXXX  XXXX XXXX, XXXX. however, Allianceone had sent me a statement of what I owed and the judgement amount to my new address XXXX XXXX XXXX XXXX XXXX, Wa XXXX on XX/XX/XXXX, after I requested a detailed statement of what I had paid them and how the XXXX they had got a judgement against me XX/XX/XXXX, XXXX. I did not receive a detailed statement just a statement of what I owed.I contacted the courts to try and find out what had been paid from the payments I had given Allianceone. and that was how I found out about their attempt to garnish my bank account. The statements that I got from the courts of what what was paid by Alliance on my behalf do not seem to add up. The judgement amounts that Allianceone claims does not match the amounts from the courts, they also sent me a late payment notice XX/XX/XXXX, that had the account and ticket number that had been paid off XX/XX/XXXX. I think that they have violated the deceptive practices law. Not to mention lousy bookkeepers that use a lot of deception to cover their math skills ( or lack of ) .I sent a registered letter to them XX/XX/XXXX for a detailed accounting but never heard from them
Product: Money transfer, virtual currency, or money service

Unauthorized ATM withdraw Gas station {$280.00} XXXX XXXX XXXX XXXX  ATM Cash app/ Square cash XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have tried to dispute this debt with this company for the last 5 months. This company has failed to send me any validation letter, they refused to send me a 30 day letter. they refused to dispute this account even when I disputed with the credit reporting agency. They have this account listed under my credit report under Syndicated Office Systems & XXXX XXXX. They are rude. When I disputed in writing with them, then they started sending me letters that I owed the bill. I have called them in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX to dispute the bill, at all times they will tell me oh sorry I see suppose to be dispute do n't know why not in the dispute department, they refused at first tell me who the medical company was. I have been going back and forth with this. They will tell me oh you need to call XXXX and today they told me call another number in their company. Im frustrated they keep bringing down my credit score and reporting it each month like I have taken out credit with them. Something needs to be done I feel they have violated my federal rights and something needs to be done.
Product: Student loan

On XX/XX/2022, Nelnet received a payment of {$18000.00} as part of a consolidation with another student loan servicer ( XXXX ). On XX/XX/2022, despite having a XXXX XXXX remaining on my student loans, Nelnet debited {$200.00} from my XXXX checking account. I called in several times after that and was told that the overpayment would be refunded to my XXXX checking account. When I had not received the payment by XX/XX/XXXX, I called in and was told that the payment had been forwarded to XXXX. I have checked multiple times with XXXX and with XXXX, which assisted with the loan consolidation. Neither company has any record of receiving any payment from Nelnet. Nelnet is unwilling to assist me further and is telling me that the money was sent. As such, Nelnet either lost or stole my {$200.00}. 

Nelnet has failed to provide any explanation except that they are investigating. They have been " investigating '' for months with seemingly making no progress on resolution.
Product: Debt collection

Subject : Formal Dispute of Inaccurate Collection Account and Demand for Removal in Compliance with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the following collection account reported on my credit file : Creditor Name : Sunrise Credit Services Account Number : XXXX Date Reported : XX/XX/year> Balance : {$78.00} Upon thorough review of my credit report, I identified that the above-referenced collection account contains inaccurate and/or unverifiable information, in direct violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which mandates credit reporting agencies ( CRAs ) to maintain maximum possible accuracy in consumer reports. 
FCRA Violations and Legal Non-Compliance FCRA 1681b Permissible Purpose : This section requires that data furnishers and CRAs have a permissible purpose to report or access my credit file. If this collection account was reported without proper validation, it may constitute a violation. 

FCRA 1681i ( a ) Reinvestigation of Disputed Information : Under this section, you are required to conduct a reasonable investigation of the disputed item within XXXX  days of receiving this notice. Should the data furnishers fail to verify the accuracy or completeness of the information, it must be removed immediately. 

FCRA 1681s-2 ( b ) Duty of Data Furnishers : The data furnisher is required to conduct a proper investigation into disputes. Failure to do so constitutes non-compliance with the FCRA, making the continued reporting of this account illegal and subject to legal consequences. 

Recent Legal Precedent : Negligence in Compliance I would like to bring to your attention the recent lawsuits against XXXX and XXXX related to failure in maintaining compliance with FCRA regulations, resulting in substantial legal penalties. Their negligence in addressing inaccuracies and failing to properly investigate disputes demonstrates a pattern of non-compliance that can not be tolerated. 

As a consumer, I am fully prepared to escalate this matter to legal counsel if you fail to comply with the FCRA regulations. Should you continue to report inaccurate information, you may be subject to legal action for damages under FCRA 1681n ( civil liability for willful noncompliance ) and FCRA 1681o ( civil liability for negligent noncompliance ).
Product: Debt collection

On yesterday XX/XX/XXXX I received a notification from the credit bureaus for a collections of {$1500.00} from a company XXXX. Ive never applied or had an account with this company. I immediately called and informed Midwest Recovery Systems. They informed me that this loan was taken out in XXXX and theyre now just placing in collections in XXXX! Midwest Recovery Systems has never contacted me by mail or telephone. I do have a threatening letter in my SPAM email from such company in XXXX stating I will be going to jail and being sued. Ive never been sued by XXXX. They also said they would be contacting the FBI and my job. This is not my account and furthermore its over the statue of limitations. Threatening and or intimidation is also against the law ESPECIALLY on an account that never belonged to me!
Product: Debt collection

I signed a contract with a local health club when I was XXXX XXXX XXXX. My mother immediately called and sent a copy of my birth certificate. The account was to be closed and I never used the membership. It has been 4 years and I found out this debt is on my credit report. I called the company and they stated that the debt was valid.
Product: Credit card or prepaid card

Good day. I have an account with Aspire Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made a payment to my credit card on my due date, they said I have to make my payment before some eastern time, I told them that I lived in XXXX, I don't live on the east coast , I was charged {$41.00} for late payment fee, I Close my account but I'm still making payment on time, I'm getting charged for account maintenance fee {$12.00} a month even without using my account. 
my payment due date is the XXXX of the month, on XX/XX/2022 I made a payment for {$63.00} on XX/XX/XXXX, I was charge {$41.00} for late payment fee, the last 4 digits of my account are XXXX 
I tried several times to talk with costumer service, they keep telling me I was late, making my payment, but I was not late, I made my payment on my due date,
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting

Equifax is knowingly reporting false data to my credit report and allowing unauthorized people to make hard pulls on my credit report. They reported information as " verified '' that has recently been removed because the creditors verified they were not my accounts. Equifax has a responsibility to report accurate information and the inaccurate accounts need to be re-investigated and removed since the first " verification '' failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Checking or savings account

Usaa locked all of my accounts with no notice, and will not tell me why, we went through our charges making sure nothing was fraud with the fraud department, all we were told is that it was being investigated by the " back office '' and they couldn't tell us anything for at least 3 more days where we would be unable to access any of our money at all, we can not withdraw, we can't use our cards, our credit is being directly affected by our inability to pay bills because of this restricted access, and we can not buy food or gas. This is insanely unacceptable especially when no reason is being given.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Student loan

First of all, discrimination. Loan was under XXXX XXXX, and that has been dissolved and discharged by the SSA under total an permanent disability. 

Secondly, Discover is now trying to collect amount under XXXX XXXX XXXX, which never obtained this loan, thus Discover is involved in gender discrimination. 

Now, they way there is a XXXX  balance, and keeping about {$1000.00} that was incorrectly collected and discover is keeping as loan under XXXX XXXX was indeed discharged under total and permanent disability by the SSA. 

Now, discover is being evasive and not reporting credit truthfully and that the account has been discharged under XXXX XXXX, and moreover, discriminating against XXXX XXXX XXXX, as there is NO loan by her under this entity.
Product: Credit reporting

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX XXXX XXXX. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. This was a Rental House with my Ex-husband in which we got a divorce and he lived in the place alone without me. I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Texas Finance Code section 392.101 a Debt Collection Company has 30 days to validate the debt. In my case my debt was partially validated in which makes XXXX XXXX XXXX unable to collect debt in Texas. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I asked XXXX XXXX XXXX to provide that information because I have the right as a consumer to know they have not provided the information in a timely matter. For that reason they should be removed from my credit report with your company if they ca n't provide the right information. I am providing the information that was sent to XXXX XXXX XXXX through USPS and CFPB alone with and audio that you can hear them violate my right by not providing the information that is supposed to be provided based on the Fair Debt Collection Practice Act, Texas Fair Debt Collection Practice Act, and Texas Finance Code Section 392.101. We have reached out to them twice to prove they are in compliance with Texas Finance Code Section 392.101 with no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts from ONEMAIN inquirydate XXXX, XXXX CARD inquiry date XX/XX/2019, XXXX XXXX inquiry date XX/XX/2019 does not belong to me and therefore I should not have an inquiry from it connected to my report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims. They informed me that tracking lost funds and transactions was impossible. It leaves people vulnerable to scams. CFPB has found that Zelle has failed to protect its consumers. I would like all my Zelle transactions refunded please going back to XXXX.
Product: Student loan

I have tried emailing through the portal and calling the company about the status of my SAVE plan and application. I haven't received a response through email and I wasn't able to get ahold of anyone through my phone call. I requested information related to my loans being placed in " XXXX XXXX XXXX '' and my payments continuing to be delayed after applying for the SAVE plan. I have not been able to get in contact with anyone and my payment date continues to be delayed with no actual communication. My application was completed on XX/XX/23. 

My interest continues to accrue daily and I would like my payments on the SAVE plan to start, so that I can benefit from the plan. I never requested a forbearance to be placed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated by the Credit Bureaus actions or rather not taking actions in order to correct my Credit Report. The Credit Reporting Agencies haven't done anything despite the multiple written letters and complaints submitted to them. I had high hopes that the Credit Bureaus would be generous enough to give a portion of their time to investigate and verify whether the information being reported on my Credit are accurate. The last letter I sent to the Credit Bureaus was last XX/XX/XXXX containing the same appeal to remove the items which I believe were the results of the Theft of my Identity. In my Letters, I informed the Credit Bureaus regarding the theft of Identity and that the items I am disputing were the results of such crime. I have also emphasized the Fair Credit Reporting Act section 605b ( 15 U.S.C. 1681c-2 ) whereas the Credit Bureaus are required to remove any items not later than 4 business days after the receipt of the previous letter dated XX/XX/XXXX. I was expecting that the Credit Bureaus would inform me regarding my disputes by responding to my Letters but I received nothing. More than a month had passed and I am still waiting for their response but it seems that the Credit Bureaus are the best in stalling the removal of my disputed items by not responding to my letters. I am utterly disappointed that the Credit Bureaus are not taking this matter as serious as I am. By submitting this complaint through the CFPB, I am reminding the Credit Bureaus of their responsibility to comply with the FCRA section 605b and remove the following items completely from my Credit File XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$760.00} XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Owed : {$51.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see incorrect accounts listed, and I dont understand why. I routinely monitor my report, but this time, I found inconsistencies that hadnt been there before. I tried refreshing my browser to rule out a glitch, but the errors remained. Given this, I am requesting a thorough review of my submitted documents so I can finally stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

After being informed that my information has been leaked due to the XXXX breach I have took the time to review my reports and sadly I have found XXXX errors. I did not give my consent to open the following accounts and did not benefit form them. I baffled behind the fact that Experian sent me a letter stating the information has been verified. After I sent written instructions to correct my consumer report weeks ago. I have asked you prior for debt validation to you and the collection agencies as my rights under the FDCPA the Fair debt collection practices act, 15 U.S.C 1692g, and I have yet to have my written instruction followed out. As of my XXXX report you still have not provided satisfactory proof that these debts are indeed mine. Please do not send me a generated response stating that the information has been verified this matter has been damaging my ability to extend lines of credit, Causing me to sleep and job opportunities. As you already know I requested that you investigate these matters and remove nor correct the disputed information from my credit if the creditors can not verify or validate the debt. ( 15 U.S.C. 1681i ).
Product: Debt collection

I am getting collection letters from Convergent Outsourcing ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, WA. XXXX ). It is for a energy bill {$460.00} for XXXX XXXX company in Texas. I have lived in California for the last 27 yrs I have never lived in Texas or owed any property in Texas. I have no relatives that live in Texas. 
I can prove my husband and I have had XXXX XXXX   XXXX for the past 27 yrs. 
All of our utility bills are in my husbands name and always has been. Before living in Calif for the past 27 yrs we were in the XXXX XXXX again never lived in Texas. I do not believe my id has been stolen because this is the only problem I have ever had. Last yr I wrote to the credit agency that had Convergent on my credit report to say this is not my debt I thought it was cleared up did not hear from Convergent until 3 weeks ago wanting me to pay again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update these items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX