23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

These people continue to harass me and threaten to garnish my wages. In the last month they have made me submit the same information to them 3 times and each time threatening to contact me place of employment to withhold my wages even though I was still in the 12 month grace period because I had been unemployed. I do not have money to pay these people and will have to quit my job because I will not have money for gas to get to work. The following is a breakdown of my current wages and expenses. This has been an ongoing issue with USA FUNDS AND XXXX XXXX XXXX. BOTH COMPANIES CONTINUE TO HARRASS ME AND SEND ME THREATENING CORRESPONDENCE THAT MY WAGES ARE TO BE GARNISH EVEN THOUGH I HAVE REPEATEDLY SUBMITTED DOCUMENTATION THAT I BEGAN MY CURRENT POSITION IN XXXX 2015. IN THAT TIME THE COMPANIES HAVE ATTEMPTED TO GARNISH MY WAGES 3 TIMES IN LESS THAN A YEAR. 
I CURRENTLY MAKE {$36000.00} AND MY TAKE HOME PAY IS {$1000.00} EVERY TWO WEEKS WHICH EQUALS {$2100.00} A MONTH. 
RENT : {$1000.00} ( 12 MONTH LEASE ) ELECTRICITY : {$140.00} PHONE : {$150.00} ( 2 YEAR CONTRACT ) CAR INSURANCE : {$150.00} CABLE : {$31.00} ( 12 MONTH CONTRACT ) GAS TO GET TO WORK : {$300.00} ( I HAVE TO UTLIZE MY VEHICLE DURING WORK ) FOOD : {$250.00} ( I UTLIZE THE LOCAL XXXX XXXX FOOD BANKS TO OBTAIN EXTRA FOOD DURING THE MONTH ) THIS IS A TOAL OF {$2100.00} I HAVE NO XXXX MONEY LEFT TO PAY ANYTHING! 

SINCERELY, XXXX XXXX ATTACHED ARE THE BILLS FOR ALL MY EXPENSES
Product: Credit card or prepaid card

Accordance with the Fair credit reporting act this creditor Capital One has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/XXXX late payment XX/XX/XXXX late payment XX/XX/XXXX late payment XX/XX/XXXX late payment
Product: Mortgage

I had a legal separation from my wife since XXXX. One of the stipulations was that upon the XXXX XXXX turning XXXX the house was to be sold and XXXX would have the first right to purchase it. 
When XXXX, my XXXX  child turned XXXX and since he was just starting XXXX, I did not push to have the house sold and I figured that when my case went before a judge after taking into account was that I put the initial {$10000.00} down payment, paid the mortgage for 5 years and put {$40000.00} in reparations and updates into the account I also owed her {$10000.00} at XXXX statutory interest and so that would have been at least {$25000.00}. She was responsible for all mortgage payments since XXXX and so I really didn't think I would even get {$100000.00} but I was Ok with that. 
But she decided to submit an application to refinance the house, with only {$47000.00} left before it was paid off, because she was laid off from her job in XXXX and had no income, she made out the application claiming we were married, that I lived at the same address and that it would be my primary residency, she did not put down that she was receiving alimony because then her being married would be a lie, she knew all my personal info- XXXX XXXX, mothers maiden name place of birth,, date of birth etc. and she forged my signature. The same day I was looking at apts, because after living at XXXX XXXX XXXX XXXX XXXX XXXX I decided to rent an XXXX XXXX so from about XXXX to XXXX I was shown about 7 apts and then I signed a lease agreement about XXXX at the rental office on XXXX XXXX. The date that I signed the lease agreement was XX/XX/XXXX and I allegedly helped fill out an application to refinance the property at XXXX XXXX XXXX and signed it and from what I understand this occurred during the same time that I was looking at apts and signing a lease She did get the refinance on the house and the amount was for {$150000.00} and she paid off the existing loan and put {$100000.00} into her bank account, after all she was unemployed so now she had money to make her mortgage payments. 
I did not know about this until about 18 months ago.I saw that there was a new mortgage listed on my credit reports for 30 years and she had given them no information to be contacted in case of a default. She has also taken out at least 10 credit cards, using my identity, from Chase and I believe that she has opened and closed as many as 20 credit card accounts with other companies and she is not stopping, because even when I am declined my credit score goes down. 

The main point of the comm is that I never took out a mortgage with XXXX XXXX XXXX XXXX have submitted all my evidence to Chase but yet have not received a reply from them. Can you help?
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cash app ( block , Inc ) due to inadequate customer serive and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). sPECIFICALLY, CASH APP FAIL TO TAKE TIMELY AND EFFECTIVE MEASURES TO PREVENT AND ADDRESS FRAUD ON THEIR PLATFORM, LEAVING MY ACCOUNT VULNERABLE AND UNPROTECTED. Futhermore, their dispute resolution process was unfair and deceptive, as they did not compy with error resolution requirements under the Electronic Fund Act ( EFTA ) AND REGULATION E. These ACTIONS HAVE CAUSED SIGNIFICANT INCONVENIENCE AND FINANCIAL LOSS, and i seek appropriate redress for these violations.
Product: Credit card or prepaid card

I purchased a prepaid AmEx gift card in XX/XX/2021 that has a remaining balance of {$98.00}. At some point after purchase, AmEx apparently changed their terms per their representatives, without notification, and I have been unable to use this card as promised. I have had issues using this card as it is being declined at every retailer ( see full experience below ). I have been given multiple reasons, supposed fixes, 5+ hour long calls ( yes, you have that right, see the unresolved XXXX  complaint XXXX that AmEx has not replied to for months for context, this horrible experience is not included in the full experience below ), and a card that is ultimately not working as agreed to when purchased. I need AmEx to provide a full refund on this card and acknowledge the incredibly awful and unprofessional experience regarding this gift card below. 

Full experience : I have an AmEx prepaid card that has been declined at multiple merchants and is unable to be added to XXXX XXXX. I called AmEx 's customer service number multiple times to be told that my card needed to be re-issued over a month ago, yet they never sent one. I then called back a month later to be told that they never sent one but just " reactivated '' my card without any notification. Of course, upon trying to use the card again, this specific time at XXXX, it was declined. I called again and was told that the card can not be used in any wallets ( even though I didn't use it in a wallet ) and was transferred to a manager. The manager then said I can use it in my wallet (? ), just not on XXXX. I then tried using it at multiple merchants ( XXXX, XXXX XXXX, XXXX ) and all that were declined, and am being told that I can not use it at all with XXXX due to risk. They then offered for me to speak to a team to have my card added to XXXX XXXX, which I agreed to, and I am transferred to one of the rudest female representatives I have ever spoken with, after being on the phone for an hour, who said that my payment for this card ( a card I paid for over 2 years ago ) is " under review '' and hasn't settled (?? over two years later? ) and that my card will not be unlocked until the review is complete... Instead of actually being helpful, she continued to repeat that I didn't understand this simple issue and then hung up the phone. Yes, really, after waiting for over an hour, being given new/different information by each rep, did AmEx have the audacity to hang up the phone. 

To top everything off, I spoke with a female " supervisor '' offshore who put me on hold for over 5 hours ( again, see the XXXX  complaint referenced above ) who happened to be even worse ( surprisingly ) than the female above. After 5+ hours ( possibly more ) of hold music, without her offering a callback, I happened to catch her during he 2-second check-ins she did every hour and asked for a callback. Of course, no one called, and this experience with this individual was incredibly concerning, unprofessional, and a major waste of AmEx 's resources, likely already known by the supervisor/employee happily getting paid while doing nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to bring a grave matter to your attention, seeking your intervention to enforce my legal rights and rectify a distressing situation that has deeply impacted my life. My purpose in writing to the Consumer Financial Protection Bureau ( CFPB ) is to implore your assistance in rectifying violations that have occurred under my credit report, thereby ensuring my rights as a consumer are upheld. 

Creditor Details and Violations : XXXX. XXXX Account XXXX : XXXX Issue : The presence of this account on my credit report has had a profoundly negative effect on my financial well-being. 
Violations : Potential violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 623 regarding responsibilities of furnishers of information to consumer reporting agencies. 

XXXX. XXXX XXXX Account XXXX : XXXX Issue : The inclusion of this account has caused undue stress and has hampered my ability to pursue crucial financial endeavors. 
Violations : Potential violation of FCRA in case of inaccurate or unverified reporting. 

XXXX. XXXX XXXX Account XXXX : XXXX Issue : The presence of this account on my credit report has impeded my efforts to secure favorable lending terms. 
Violations : Possible violation of FCRA if inaccuracies are present on the credit report. 

XXXX. XXXX Account XXXX : XXXX XXXX : The inaccurate reporting of this account has hindered my financial stability. 
Violations : Potential FCRA violation due to inaccuracies. 

XXXX. XXXX XXXX | XX/XX/XXXX Account Number : N/A Issue : The impact of this account on my credit report has led to unwarranted financial setbacks. 
Violations : Potential FCRA violation if inaccuracies or unverified information is present. 

Personal Story and Request for Resolution : [ Share your personal story here. Describe in detail the XXXX  and XXXX XXXX  caused by the presence of these accounts on your credit report. ] I implore the Consumer Financial Protection Bureau to wield its authority in addressing these issues and enforcing my rights as a consumer. I earnestly request that the aforementioned unverified accounts be expeditiously removed from my credit report, allowing me to restore my financial standing and pursue my life goals without unwarranted hindrances. 

Your intervention in this matter would provide much-needed relief and restore my faith in the financial system. I am committed to cooperating fully to rectify these issues. 

Thank you for your prompt attention to this matter. I can be reached at [ Email Address ] or [ Phone Number ] to provide any additional information you XXXX require. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I have a XXXX account that claims I have XXXX % utilization or XXXX/XXXX where it should beXXXX/XXXXI have a XXXX account that says I have aa XXXX % utliztion or XXXX/XXXX where it should be XXXX/XXXX
Product: Debt collection

XXXX XXXX, turn my account over to a collection agency, without notifying me. XXXX tried to collect money that I did not owe. They tried 2 times before, and I went into Assemblyman XXXX XXXX office and it was determined that I did not owe XXXX. XXXX sent the bill to a collection agency and I asked the collection agency to validate the bill and they were unable to validate, and they removed the item from my credit report. XXXX then sold the account to ERC collection using an old old address in the state of Arkansas and I was not notified, until the ERC collection had allowed the time to run out, past the 60 days that I had to dispute the bill. I am asking that these charges be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

XXXX is not up to date, card have a credit balance not {$8700.00}
Product: Debt collection

XXXX XXXX XXXX XXXX is in violation of XXXX XXXX XXXX ( XXXX ) ( XXXX ). Not using any language or symbol, or any envelope, or in the contents of any communication affected by mail or telegram, that identify that the debt collector is inn, the debt collection business, or that the communication relates to the collection of a debt. The use of obscene or profane language, or language, the natural consequences of which to the abuse the hearer or reader
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting to my credit profile. The company has stated that they do not have a account that the can verify as being my account. The company needs to remove their information from my credit report. 

XXXX should also remove this from my credit report for which the company has clearly stated that I do not have an account with them that should be on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally lodge a complaint regarding the repeated failure of TransUnion, XXXX, and XXXX to properly investigate and validate disputed information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681. Despite my numerous disputes and lawful requests for validation and verification, the credit reporting agencies have failed to provide evidence substantiating their claims and continue to report inaccurate and unverified information. 

To summarize : 1.Failure to Provide Proper Validation : I requested the following documents to validate the alleged debts : Validation of the debt ( including actual accounting ) ; Verification of the claim against me ( such as a sworn affidavit or a hand-signed invoice compliant with the Bills of Exchange Act, XXXX ) ; A true and certified copy of the original contract or agreement binding both parties ; A certified copy of the original note ( credit agreement ) under penalty of perjury, confirming it has not been sold ; Confirmation of the identity of the authorized representative who performed due diligence under the Money Laundering Regulations XXXX. 
These lawful requests were ignored or inadequately addressed. Instead, I received generic responses claiming the information was verified, without any substantive evidence to support these claims. 
2.Violation of 15 U.S.C. 1681i : Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when disputes are raised. Merely stating that the information was verified without providing evidence or details of the investigation constitutes a failure to meet this legal standard. 
3.Reappearance of Removed Items : Items previously removed from my credit report have inexplicably reappeared, raising serious concerns about the integrity of the investigation process and adherence to proper procedures. 
4.Failure to Respond in Good Faith : My repeated attempts to dispute these inaccuracies were met with dismissive responses warning me not to send further disputes. This is both inappropriate and contrary to consumer protection laws under the FCRA. 

Given the severity of these issues, I am requesting immediate action to : 1.Conduct a thorough, independent investigation into the practices of TransUnion, XXXX, and XXXX in handling my disputes ; 2.Ensure compliance with 15 U.S.C. 1681i by requiring the credit reporting agencies to provide documented proof of their investigations and validations ; 3.Remove any and all unverifiable and inaccurate items from my credit reports ; 4.Impose penalties or corrective actions against the credit reporting agencies for non-compliance with FCRA standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vance and Huffman I have never dealt with this company and have not had any lease accounts in my name. I have been in a totally different state. The information came from identity theft.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 

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 XX/XX/2021 XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This

company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX  Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Debt collection

Synchrony Bank is reporting invalid information to the three credit bureaus. After calling in to Synchrony Bank on XX/XX/2018 speaking with 2 customer service representatives, I was told that the accounts that they " say '' are mine XXXX and XXXX have been sold to XXXX XXXX and that Synchrony Bank has no contracts or information on these accounts. 

XXXX XXXX sent me documentation as well as the three Credit bureaus sent me and updated credit report, stating that they have has ceased collections on these 2 accounts and have stopped reporting to the three credit bureaus therefore these 2 accounts were  removed from my credit reports. 

How is this information being verified when Synchrony Bank stated that the accounts were sold to XXXX XXXX and XXXX XXXX has Ceased Collections because they couldn't validate this debt as belonging to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 60 days later has not been rectified. I feel like I am being take advantage of at this point being the original creditor and my disputes not being recognized by consumer laws. Section 611 ( a ), it is plainly stated that a failure to investigate these items within thirty days so they should be deleted promptly. I demand the referenced accounts be deleted from my consumer report immediately or I will file for litigation due to the stress that has been caused. My information has also been impacted by the major credit bureaus and may have gotten into the hands of the wrong person. Thank You
Product: Debt collection

I had informed corporate HR not to be in contact with sun loan company of XXXX IL this was back in 2017 when I worked for XXXX XXXX XXXX  they tried to manipulate HR into garnishing wages when they had no legal authorization to do and I wrote a letter to corporate of sun loan I wish for no such thing and the sun loan represents got verbally aggressive and nasty and HR XXXX XXXX Human Resources manager demanding them to take wages out now and XXXX number is XXXX XXXX XXXX. She has information on the situation with sun loan this happened back on XX/XX/17 I though this debt had dropped off but apparently didnt and they have added on interest to the account to which I dont claim validation to debt due to the illegal procedures they tried to collect on the and Im worried they might try to bother my work which I work at XXXX XXXX XXXX XXXX and Im trying to protect my financial future
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on account I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i have attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for understanding and promp action.
Product: Credit card

Kindly ensure the removal of inaccurate accounts listed on my credit report in accordance with FCRA 605B. It's causing me some discomfort, so could you please verify the documents?