23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received notification from my employer that they were served a garnishment on me from Milby Law office in XXXX for a XXXX Limited actions case out of XXXX XXXX. I attempted to contact the law office to advised them that this was included in a bankruptcy in XXXX. XX/XX/XXXX I finally was able to speak to XXXX XXXX in the law office who stated there was this garnishment and two others they were going to take out of my check. I advised her again i was unaware of this debt or the others. She said that it had been served to an old address. I advised her this case was included in a bankruptcy and that on the other 2 garnishments that I was not made aware of them but if we could set up an agreed payment arrangement I would like to do that. She advised me I legally could not due that and it's been sent in for garnishment and there is nothing I can do now. I advised her I knew this was incorrect because I have a current garnishment I am paying on with another law firm and the garnishment is a set amount each paycheck. XXXX said " Sweetie I work in a law firm, you don't '' she told me I had no rights to dispute this debt or to do anything in regards to making a payment arrangement because they have already sent it to my employer to take it out of my paycheck. When I asserted that I did know my rights and that I have the right to she got mad and said " I just can't do this, '' and then proceeded to hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2021
Product: Debt collection

Portfolio recovery services LLC representing XXXX XXXX bank indicating I owe full balance {$6200.00}. I never even had credit that high let alone owe this bogus attempt to collect. it says at the bottom Because of the age of the debt we will not sue you and we will not report it to a credit reporting agency ... Totally a scam.
Product: Credit card or prepaid card

Citi Bank XXXX XXXX Broke State laws when they failed to offer me extended extensions on payments due to covid-19. They also illegal reported negative information ( Missed payments ) This illegal to currently report the credit bureaus under the current state laws due to the pandemic.
Product: Vehicle loan or lease

This is outrageous!!!! It has been over 7 attempts now to get your company to provide the original contract, calculation of deficiency balance, and statement of account along with other documents requested in our letters. Your company has repeatedly failed over and over to provide these documents that we are entitled to. You are acting in bad faith by repeatedly avoiding sending us these documents. XXXX  XXXX has spoken to you by phone and told you to please provide the documents and you have failed to do so on a continual basis. To say we are trying to use the CFPB as a mail service for a legal claim is absurd. SO LET ME BE VERY CLEAR! THIS IS A COMPLAINT ABOUT YOUR COMPANY FAILING TO PROVIDE THE LEGALLY REQUIRED NOTICES YOU ARE REQUIRED TO SEND UNDER ARTICLE 9 OF THE UCC. Do you understand? IMMEDIATELY SEND A COPY OF THE ORIGINAL CONTRACT SIGNED BY XXXX XXXX with any arbitration provisions and the other documents requested. Again, in case you missed it SEND A COPY OF THE ORIGINAL CONTRACT INCLUDING ANY ARBITRATION PROVISIONS. PLEASE SEND IT NOW. THANK YOU
Product: Mortgage

XXXX modification wrongful amount on deferred principal from XXXX modification. Per lenders recent response to you once again they are being deceptive. I have tried endlessly to have this corrective
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a deferred interest purchase with XXXX XXXX XXXX XXXX ( Synchrony Bank ). The deferred interest period ends on XX/XX/XXXX. On XX/XX/XXXX, I made an online payment to Synchrony Bank on that account for {$130.00}. On XX/XX/XXXX, I made a new purchase using that same store charge of {$1500.00} at XXXX 's, which was a regular charge ( interest applying ). There were advantages for using the store credit card for the new purchase, which were explained to me by the store associate. Those advantages were a discount for using the store charge. I could have used a regular XXXX  for the purchase, but I would not get the same discount benefit. Not wanting to pay interest on the newest purchase I made a payment of {$1500.00} on that account on XX/XX/XXXX ( in the same billing period ), with the understanding that the payment would first be applied to the interest accruing purchase, leaving the deferred interest purchase intact. I started to notice I was being charged interest on the account and I called them. At first, they agreed to resolve the matter reapplying the payments made in XX/XX/XXXX to the interest-bearing balance. Today I spoke to a representative when I saw the new balance had interest applied as well at XXXX and asked what was happening with this issue. To date, I have been assessed {$94.00} in interest payments and have no recourse with them as they are denying me my request.
Product: Credit reporting

I moved out of an apartment in XXXX. I paid for rents due after going to court with the landlords. I have money orders to prove I paid them in full. A couple months after I left they sent me to a rent collection agency. 
I was n't aware of this debt being active and saw this reported on my credit report before they even wrote to me to inform me or give me the chance to dispute this. I was furious and contacted the company right away. I told Rent Recovery Solutions I paid in full and can prove it. Rent Recovery Solutions did not care or listen. They were so rude to me. I told them they should not report false information and did n't warn me. 
They said they did n't care what I am saying and denied me my rights. 
After disputing with them without response, I tried to dispute this with the XXXX credit reporting agencies. All three credit reporting agencies claim the debt was verified. I wrote to the credit reporting agencies and send my proof of payments. Still they credit reporting agencies and Rent Recovery Solutions are not acknowledging my payments. I need this to be corrected and removed. I should not be forced to pay this debt again because of their gross non compliance with credit collection activity. 
I need to take care of this since it is preventing me from obtaining a loan for my business. This is unfair and it has been months since I have been trying to fix this. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a Credit Alert from XXXX XXXX indicating that my Select Portfolio Servicing ( SPS ) Account Balance ( for my first mortgage ) increased to {$190000.00}. 

For the month of XX/XX/2022 my current Principle Balance for my SPS Mortgage is {$190000.00}, which is {$4800.00} less than what SPS has inaccurately reported to the Credit Bureaus. 

On XX/XX/2022, my Credit Score decreased by XXXX  points. 

I am respectfully requesting for SPS to accurately and expeditiously report my Principle Balance of {$190000.00} to all XXXX XXXX XXXX ; XXXX, XXXX, and XXXX so my SPS Principle Balance, Credit File and Credit Score are accurately updated and corrected in all of my Credit Reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : US DEPT ED # XXXX Account Name : XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX  XXXX - Opened on XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX - Opened on XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX InquiredonXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Account number XXXX, Date opened XX/XX/2022, XXXX XXXX, Account number XXXX, Date opened XX/XX/2022. Please provide proof of how you investigated these accounts belong to me.I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I acknowledge your efforts in addressing some of the inaccurate entries on my credit reports. However, I have observed that several fraudulent items persistently remain in my credit history. I kindly urge you to expeditiously eliminate these items from my credit records. Enclosed herewith are the specific details of the items requiring removal from my credit reports as per the respective bureau : -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX  Balance : {$910.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX  Balance : {$140.00} -- -- -- -- XXXX XXXX -- TRANSUNION : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  Balance XXXX {$870.00} XXXX XXXX  Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX XXXX : XXXX Date Reported XX/XX/2016 Reference # : XXXX
Product: Credit reporting or other personal consumer reports

My boyfriend has an american express card. I don't know the exact date I was added but I think it was around XX/XX/XXXX. He asked for an additional card to be made for me, with my name on it. I was only to be added as an authorized user. I started to notice my credit score was decreasing over time. After about 3 months my credit score had dropped around XXXX points and I realized that my boyfriend 's debt was being reported on my credit report. When I called American Express I was told that I was financially responsible for the credit card by some agents and that I was not financially responsible responsible ( only an authorized user ) by other agents. Either way, no one could explain why the debt was being reported on my credit report and no one would do anything about it. American Express agents also refused to remove my boyfriend 's credit card from my profile, despite my repeated requests. They kept telling me only my boyfriend could do that. I have no idea how American Express can force me to keep a credit card on my profile. My boyfriend closed the account and paid off the credit card but my credit score has only gone up a few points because his debt information is still listed on my credit report. I am very concerned how any of this was allowed to happen. I have also had issues with never receiving my airline companion fare benefits when I had the XXXX credit card. I am concerned that American Express seems to have some shady business practices and will continue them if they are not held accountable. I hope someone can help me, as this is devastating my credit report that I have worked hard for XXXX XXXX  to get to excellent. I attached a screenshot from my credit report where it shows my boyfriend 's {$22000.00} debt on my credit report. It even says {$22000.00} out of {$35000.00} and I don't have a credit card with a {$35000.00} spending amount, so that can't be my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account AD Astra was paid in full as of XX/XX/2020 and at this time AD ASTRA agreed to remove item from XXXX XXXX report as they have with the other bureau 's. I spoke with a representative on XX/XX/2020 from AD ASTRA and they indeed sent a request for this item to be removed in XX/XX/2020 to XXXX which still refuses to remove the item. AD ASTRA has instructed me that they would sent another report to XXXX as of XX/XX/2020 for this item to be removed. I want to make sure that XXXX  in fact does comply with this request and delete this item.
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 numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I received a notice regarding refi on previous V A loan that I had with XXXX XXXX company and refinanced with XXXX XXXX XXXX now i'm finding out that I can't refinance this loan anymore? Don't understand why I never heard of this until I researched can someone look into this for me my current loan XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows collections from United Revenue Corp for XXXX XXXX XXXX. I have called URC twice and said, send me a bill!! I always pay medical bills. This goes back six months, and I am still waiting for a bill. 

I do not think it is fair to show bad debt and not allow me a chance to even get a bill to pay. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX have violated my rights : 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions 15 USC 1681 section 602 c ( a ) ( 5 ) no 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 conviction of crime which antedates the report by more than 7 years 15USC 1681s-29 ( a ) ( 1 ) 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 the information is incorrect or inaccurate.
Product: Student loan

Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. on XX/XX/year>, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit : XXXX XXXX  XXXX, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now known as XXXX XXXX XXXX XXXX XXXX ) , proves without a doubt that we have absolutely and massively been scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans discharged in addition to the federal student loans. Loan balances through companies such as Navient should all be canceled and refunded if those loans are taken out for a university on the list of fraudulent schools from the XXXXXXXX XXXX XXXXXXXX case .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I sent letters regarding inaccurate and unknown accounts and information reporting to my credit reports. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, the reporting agencies are suppose to provide actual proof the information was verified. This did not happen. All 3 reporting agencies ( TransUnion, XXXX XXXX XXXX ) responded with computer-generated response confirmations. So again on XX/XX/21 & XX/XX/21 I sent letters credit agencies to investigation letters demanding to comply with my request. I have sent letters to the companies furnishing this information to my credit report on XX/XX/21 and have not received any information in return, no response at all. I presume that no proof of alleged debt nor therefore such any debt in fact exists. I demand that these accounts be deleted immediately or I will file for litigation due to the stress they are causing. My information was impacted by the XXXX data breach and I am a victim of Identity theft. The reporting agencies are aware of this yet they refused to do a proper investigation. This whole thing has taken much longer than XXXX. This is day 51.
Product: Debt collection

I had a capital one card paid it off they shut down my account after 4 mouth of paying everything in full when they closed my account they told me that they closed it for not using the card correct and that they had to send me a check for XXXX dollars I over paid then come two months later and the check never came I called them they told me my account was paid in full and just wait for your check but instead of getting a check I got a bill with fake statement that read I owed them 700 plus dollars and when I compared the two it was not the same all my payments were returned .how can that be after 6mounths there's no way an ACH payment can be returned after that long of time I would have had that on the time they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these lenders and also the credit bureaus to let them know someone had oped up accounts in my name and also ran my credit and they still haven't taken them off my credit report yet
Product: Debt collection

I did not receive notice from Ohio that I was in default in my student loans ( actually had worked out a payment plan a few months prior ) and in danger of my pay being garnished. Instead, I received a notice from work that they were going to garnish my pay, so I contacted Ohio XXXX loans office to try to work something out so this would not happen, and they were rude to me and told me I could n't stop it, and would not work with me at all, and have begun garnishing my pay, even though I am a head of household with low income and now am being forced to file bankruptcy to stop it. I did receive notice from Missouri and have been able to work with them, but Ohio did not send me notice, and were very rude and will not work with me and instead disregarded letters I sent and calls and have started to garnish my pay. Is there a problem with Ohio student loans? I need to be able to work this out rather than file bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX  secured card on XX/XX/2019 And they did a hard credit check inquiry on me on Transunion , XXXX  and XXXX which is find. But the part that is not cool is when I checked on my application on XX/XX/2019and they did another Hard credit check inquiry on me on Transunion , XXXX , XXXX. That's 6 Hard inquiry 's all together for one application I put in. I need them to take off one hard inquiry on Transunion, XXXX, and XXXX. One on each is justified, but two is not. I know they stay on your report for two years. But having two hard inquiry 's can drop your credit score even more. 
and its wrong when they add a extra hard inquiry on all three credit reporting agencies when I only applied once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.