23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am currently going through an appeal. In the midst of my case, I feel my privacy rights are being violated. The lawyer XXXX XXXX XXXX, that is representing the Plaintiff ( Cascade Collections ) in this case. ( Case # XXXX ), has not only mailed but faxed paperwork regarding my case to my place of employment. The Federal Debt Collections Practices Act was created to protect us as the consumer, so that we may be able to work with out feeling harassed or feeling anguish in our place of employment. He has had phone conversations with my boss, who should n't have even known about my case situation other than just the garnishment and to solely garnish my wages as requested until the appeal case is resolved. Nothing more. 
The fax machine that the attorney XXXX. XXXX XXXX faxed information to, regarding myself. Is a fax machine that everyone uses at the office for medical reasons. Not for personal cases regarding employees. He did n't have permission by myself or my employer that he could do so. He also mailed a copy of my case to my place of employment. Now everyone in my clinic knows that I have a collections debt in court and that I am being garnished unfairly. 
I am in jeopardy of losing my job and now have no money to even pay for the debt he is coming for. Because this has caused me such anguish and embarrassment. The attorney has abused his power and I have proof that Cascade Collections knowingly produced a false collection letter that was never sent to my home. 
I am in such a hard place, in the fact that I am just an average person earning just enough to pay my student loans and other regular bills deemed necessary.
Product: Credit reporting or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade XXXX XXXX Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed fraudulent accounts. Please remove these accounts from my report as they are affecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX  XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 


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

XX/XX/2022 BK OF AMER RE. We have disputed this account.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and realized that are a couple of inaccurate information regarding late payments on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 


Dept OF XXXX Account # - XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.
Product: Mortgage

My mortgage was paid through the sale of my home. The balance paid resulted in an over payment. BBVA Compass indicated that they were to issue a refund to me, for {$1200.00} processed on the XXXX. I contacted them on the XXXX of XXXX to inquire where my refund was. I was told that the check was mailed on the XXXX of XXXX, and that I needed to fill out an affidavit of indemnity for them to reissue payment, and that they would directly deposit the funds afterward. I did so, and then followed up with them, at which point I was told that they had mailed the check a second time rather then placing it in my account. They indicated they would stop the second check and then deposit funds, and that I should hear back on the XXXX confirming the same. I did not hear from them, but did receive the first check on the XXXX, which they failed to mail until the XXXX despite their representation. It is absolutely unacceptable that they could not simply tell me that they had only mailed the check two days prior from Alabama. I would of course been upset that it took them that long, but this whole ordeal and comedy of errors could have been avoided. I called back again on the XXXX, and was told by a supervisor that my funds would be in my account Friday after business hours, the XXXX. On top of that, they mailed my 2nd check to the wrong address. I did not receive my funds as promised. I called them again today, and they of course ca n't get a supervisor on the line. I was told they would have a supervisor call me, and I have not received a call. I have tried dealing with them and I am fed up. If I owed this bank a delinquent payment I would be assessed fines and collection calls. This is ridiculous that they ca n't competently process a refund, and continue to make false promises.
Product: Debt collection

On or about XX/XX/XXXX a company by the name of First Point Collection Resources added two medical debts to my credit report. Amounts : {$430.00} from XX/XX/XXXXand {$110.00} from XX/XX/XXXX I was not given notification of this debt or given a chance to dispute/request validation.
Product: Credit card

Capital One and Kohls unilaterally sent me an unsolicited kohls XXXX card, with a new account number and a new card, mailed to me in early XXXX. I did not ask Kohls or Capital One for a separate XXXX card. In fact, because of this unwanted change, without any contact with me whatsoever until after the fact, i closed my original kohls account on XX/XX/year>. I still received this new kohls visa card around XX/XX/year>, despite my XXXX phone conversations with both capital one and kohls telling them i dont want it. Now tthat i have this new card and new account number, they both say they still can not cancel this unwanted account. To be clear : I do not want this egregiously high interest credit card that I DID NOT APPLY FOR AND DID NOT ASK FOR AND ACTUALLY TRIED TO STOP IT FROM BEING ISSUED ; I want this account cancelled, not closed, because i never requested or opened it ; and i want to avoid any negative impact on my credit reports and scores. Also, i need a written assurance from the guilty parties, kohls and capital one, that there was no reporting of any open/closed account notices or any other negative reports will be sent to any credit reporting agency regarding this bait and switch tactic that seems like a really unsavory business practice. Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as they are back tracking me from my goals.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 
15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I currently have a mortgage with XXXX XXXXXXXX XXXX. Which h was GreenTree Financial. In XX/XX/XXXX I.quired to lower my more.thly payments. Found out the diy a loan modification and added {$37.00}, XXXX to my XXXX amount XXXX did a ending mortgage data of XX/XX/XXXX. I did not sign into this contract they have me and my wife 's. Singatures but I would never sign a 40 year mortgage and give them {$37000.00}. I would have took out a second mortage. I have my own notitary to notarize things as our signatures are fuzzy looks photo shopped or something. We started the Mortgage started with XXXX for {$110000.00} back in XXXX now in XXXX we owe " XXXX. We would have known a out this if we did not want to sell our house.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE
Product: Debt collection

They call my relatives phone for me. Dont even know how they got my dads phone number or knew that he was a relative! My dad told me so I called the number! A lady answered I asked who they were. She said it was AFNI I asked what they do and she wouldnt tell me. She wouldnt tell me her name either! She asked me what for my ssn. I told I was not giving out that info! And I wasnt answering any questions until she told me what AFNI is! I asked for a supervisor and she hung up!
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY XXXX IS REPORTING FRAUDULENT ACCOUNTS ONMY CREDIT REPORT. THIS COMPANY HAS BEEN INVOLVED IN MULTIPLE DATA BREACHES, CIVIL LAWSUITS, AND CLASS ACTION LAWSUITS. THIS COMPANY AGAIN IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE ALL ACCOUNTS AND UNAUTHORIZED INQUIRIES ON CREDIT REPORT.
Product: Credit card or prepaid card

Credit card was opened fraudulently in my name Reported to XXXX  and was removed from report Is reporting on my credit report again
Product: Checking or savings account

Money was put in XXXX XXXX XXXX in two lump sums deposits first was XXXX, XXXX ; XXXX dollars and the second was XXXX dollars bank close went to XXXX and now Wells Fargo we have the deposit slips and have spoken to Wells Fargos Bank with no success. They keep sending us to missing money this money wouldnt be in that category. We need help finding the money
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX, my Loan Servicer paid off and discharged all of my loans due to PSLF and TEPSLF. The balance was {$0.00} and paid in full on my credit report. 
Yesterday, I noticed that on my Equifax report the loan balance was back and under XXXX  XXXXXXXX XXXX XXXX XXXX with a balance of {$140000.00}. The XXXX name was gone and this name was in its place. I called studentaid.gov and they are showing a XXXX balance as well. I have attached the confirmation that my loans were discharged/forgiven/canceled from the studentaid.gov website. I also spoke with a representative, XXXX, who also said my loan balance was {$0.00} and that I should contact the credit bureau and upload the letter of discharge/forgiveness. 
I did log into XXXX last night and it said in red " Due to the status of your loan you may not access it via the website. Please call us. '' I did so today, twice, and the respective hold times were 94 minutes and 180 minutes. 
This is an egregious error that has impacted my credit report and ability to make any large purchases etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, have violated my rights. 

15 U.S.C 1681 Section 602 A states : I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

I have had my Wells Fargo credit card since XXXX. The account started as a secured credit card which was converted to a non-secured card in XXXX. My account has always been in good standing yet every credit line increase I requested has been denied. I think that because I have been a good standing customer for the last 9 years should account for something in regards to my credit line increase request
Product: Debt collection

Below email arrived in my email box. I don't own any money to the company, never did business with the company!! I don't know who they are and there is no phone number to call, only XXXX email address!!! 



Debt Collection Agency XXXX To : Debt Collection Agency Bcc : XXXX Thu, XX/XX/XXXX at XXXX XXXX  NOTICE OF WAGE GARNISHMENT from District Court Case File : XXXX Notice Issued On : XXXX XXXX, 2021 Amount Outstanding : {$1000.00} ( higher than actual amount owed ) Dear Debtor, This is our official notice to you regarding the due payment with XXXX XXXX XXXX.You have defaulted to pay the dues. 

TO THE GARNISHEE : The creditor has obtained a court order against the debtor.The creditor claims that you owe or will owe the debtor a debt in the form of wages, salary, pension payments, rent, annuity or other debt that you pay out in a lump-sum, periodically or by instalments ( A debt to the debtor includes both a debt payable to the debtor alone and a joint debt payable to the debtor and one or more co-owners ) YOU ARE REQUIRED TO PAY for Small Claims to Collection Agency ( a ) All debts now payable by you to the debtor within 7 days after this notice is served on you ; and ( b ) All debts that become payable by you to the debtor after this notice is served on you and within 30 days after this notice is issued within 7 days after they become payable. 
The total amount of all your payments to the clerk is not to exceed $ XXXX.THIS NOTICE IS LEGALLY BINDING ON YOU until it expires or is changed, renewed, terminated or satisfied.If you do not pay the total amount or such lesser amount as you are liable to pay, You must serve a Garnishees Statement ( Form 20F ) on the creditor and debtor and file it with the collection Agency within 10 days after this notice is served on you. 
If we do not receive the payment in full by XX/XX/2021 ( deadline ), We will have to do whatever we can under the law to recover our money with accumulated interest from you that includes, but does not limit to legal proceedings against you, not to mention the legal expenses shall also be borne by you. 
We are open to discussion until XX/XX/2021 but after this date, We will have no other option to go with the legal proceedings. 
If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench by jury then you have to bear a lawsuit, which will be amounting to {$2100.00} and we are sending you this notice to let you know what we have done in response to the garnishment order.You can contact your creditor for the settlement amount. 
Please reach out to us immediately if you would like to set up a repayment plan.