23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX attorney, XXXXXXXX XXXX XXXXXXXX filed a writ of garnishment on me for a capital one debt that was dismissed in 2018. They failed to notify me by first class mail within 5 days of the filing. They did not attempt to have me served with the writ at all. They had XXXX XXXX  taken from my check through my employer without even notifying me of a debt, receipt XXXX through XXXX XXXX XXXX XXXX. They failed to provide me or the court with a copy of the judgement they say they were awarded XX/XX/2018. They mailed a large envelope of another person 's legal matter to me by accident in 2018. They are harassing me for a debt that was already dismissed and failed to follow the fair debt collection practice act. This was published on our courts website as a wage garnishment and it's not accurate. They're deceptive collection practices are unlawful and violate my rights. The bottom of the attached file states they would notify me by certified mail within 5 days and they failed to do so. An attempt was not made to notify me at all.
Product: Debt or credit management

XXXX charges added was not able together car back to fix it. It was defectef
Product: Mortgage

We started dealing with Carrington Mortgage in about the middle of this summer and ever since they have bought our mortgage from XXXX it has been a complete XXXXXXXX XXXX. The main reason I am filing a complaint, is because of the lack of knowledge this company seems to have to even be capable of dealing with people 's loans. Since XXXX my husband and I have been dealing with issues involving our home insurance. In XXXX we started getting letters from Carrington stating they would be " buying, '' us home insurance at a significant price since our home was not insured. After multiple calls, emails between Carrington and our insurance company XXXX out of XXXX, XXXX, I was told Carrington hadn't uploaded paperwork right to show we had insurance. So I want you to understand, we were getting threatened from Carrington that they were going to buy us home insurance when I kept stating to them we had home insurance and they had been notified by XXXX XXXX XXXX XXXX XXXX  we were insured under them. Now, note in XXXX I start getting e-mails from XXXX insurance XXXX our home policy is about to get cancelled because Carrington hasn't payed our policy of {$1300.00}. I e-mail their advocates department because nobody else in their company seems to know what is going on, and when they finally call my husband, they tell them they would be happy to pay the bill if XXXX 's would send them the bill. Excuse me? So now this week, after I have given BOTH companies information to communicate between each other and to get the bill payed, I get an e-mail from XXXXXXXX XXXX our home insurance policy is now pending termination if payment is not received by XX/XX/2023. Yesterday, XXXX XXXXXXXX  got a hold of someone, I'm assuming a manager named XXXX, who was very RUDE and I'm assuming new to the position since she couldn't even find the right address for XXXX XXXX to send the payment to and than she said they had been trying to get a hold of XXXX XXXX XXXX for payment who we haven't even been through since this summer. I have more to complain about with this company as I'm sure XXXXXXXX XXXX does XXXX XXXX XXXX out of XXXX, XXXX. I also would like to bring up no over payment checks with our escrow being sent out or our mortgage payment going down with a cheaper insurance... where is all this money going? Hopefully this gets the ball running and I absolutely expect this to get checked into as this has caused us a great amount of stress and undue hardship dealing with this company.
Product: Debt collection

I reached out doing disputes /police reports my privacy has been violated my personal information has been stolen and shared
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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: Mortgage

My property was refinanced shortly before XXXX property taxes were due in XXXX The new mortgage company ( XXXX XXXX XXXX XXXX paid the property taxes ( {$1300.00} ) and so did the old ( New Rez ) mortgage company. The check from the new company was honored and the New Rez payment was returned to them. My loan number with New Rez was XXXX. 
I have contacted New Rez on several occasions ( 12 times or more ) prior to XX/XX/XXXX regarding the overpayment of tax money and how and when they are going to refund it to me. They responded that they have a separate company from New Rez that handles the tax payments. They say they are unable to get a response from this company to verify the returned tax payment. 
This has been going on since XX/XX/XXXX and still no refund. It appears that New Rez does not want to refund the unused tax money to me. This is a VA loan and actions should be taken to correct this situation immediately. 
Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by XXXX in XX/XX/XXXX about my social security being apart of the XXXX breach. I was told by XXXX to order a copy of my credit report and review it and the all collections and accounts are correct. In XX/XX/XXXX I contacted XXXX  about a collection from Southwest Recovery Systems account number XXXX in the amount of {$5500.00}. I made numerous attempts in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to southwest recovery systems to see if they  could send me proof that this was my collection and account. I was unable during those months to get in contact with the company as the line would disconnect every time after the third ring. I contacted XXXX who then requested a police report. I made a police report with the city of XXXX in month of XX/XX/XXXX. I was able to get in contact with Southwest recovery to send me verification of this account with XXXX XXXX XXXX. On XX/XX/XXXX I received an email from a XXXX XXXX who works at Southwest Recovery Systems. She sent me over a pdf of my account detail bill with resource property management. I do recall going to court with this company back in XX/XX/XXXX. I had a judgement in the amount of {$2600.00}. This amount included rent for XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} and legal fees of {$150.00}. There are also two late fees in the amount of {$230.00} & XXXX for XX/XX/XXXX & XX/XX/XXXX but I was no longer living at the address as I was ordered by a judge to vacate in XX/XX/XXXX. I moved into my apartment at XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX sent a detailed bill for {$5100.00} But southwest recovery systems has placed a collection for {$5500.00}. Both amounts are incorrect. The {$5500.00} has not been corrected by XXXX XXXX XXXX. The correct amount to be reported is {$3100.00}. As of today this amount has not been corrected.
Product: Debt collection

I received a letter from my credit union on XX/XX/XXXX informing me that all of my existing accounts will be garnished and or frozen, due to the receipt of a writ of garnishment in the amount of {$3000.00}, effective XX/XX/XXXX. In addition, a service charge of {$100.00} had been debited from my account. The letter stated the credit union could not assist me with this matter and to contact a company listed in the letter, in which I have no idea who they represent or who the debt is supposed to be owed to. I have not received any correspondence regarding this matter. I contacted the company concerning the matter and was unable to get any information or assistance. The company requested my full name, social security number, date of birth, and address to even speak with me. I was not comfortable with providing this personal information by phone, especially to someone that I no knowledge of. They told me the conversation was over since I would not provide the information to them, and I can check with the courts. I have not received any court documents regarding this matter either. After spending hours attempting to locate information from the court, I was able to dig up information about a third party that was submitted to the courts in XXXX. This is well over the statute of limitations, and I still have no idea who the original debtor is. The company is submitting falsely dated court documents to the credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023 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.

XXXX XXXX XXXX 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: Checking or savings account

Discover bank account.There was fraudulent activity on account. Bank closed account. When they closed the account I received several incoming payments. They said they will pay it within two months this was in XXXX. They told me they owe me {$160.00} before they shut it down. Now their saying they owe me nothing. During the fraud they got all their money back, but I had 3 paychecks come during the account closure and their pretending they dont know about it. I just want my money.
Product: Mortgage

My mortgage loan is currently serviced by Specialized Loan Servicing ( SLS ). I have tried to obtain a loan modification from the them for many years and was recently was advised that a trial loan modification offer was sent out on XX/XX/XXXX,  which I never received The offer called for monthly payments of {$2100.00}, beginning XX/XX/XXXX with a 280 month term. This is an offer I would have gladly accepted since I am able to afford the payments. SLS advised that the offer was sent via USPS regular mail, so there is no way to track the package. Since I never received the modification offer, there has been a serious lack of transparency in the process, since a single point of contact was never assigned to the case. Per the CFPB mortgage servicing laws, transparency and a single point of contact are a requirement. I am requesting the SLS reset the trial loan modification offer, since they failed to abide by the the CFPB law. Per Indiana Code 32-30-10.5, mediation is a requirement prior to foreclosure, which SLS is trying to bypass as well. Since SLS has set a foreclosure sale date of XX/XX/XXXX, I am seeking your assistance on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/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: Mortgage

CFPB and FTC and XXXX XXXX COMPLAINT A formal complaint against Bank of America for selling/transferring my mortgage servicing to XXXX XXXX XXXX XXXX XXXX XXXX. BoA either knew or should have known how poorly rated XXXX is and how many consumer complaints exist and their transfer was so reckless as to amount to intentional conduct calculated to cause harm to me. I have been a long-term customer of BoA. I believe they are either punishing me for claiming XXXX or are doing this unscrupulous action to make a wrongful profit. I have funds ready to pay XX/XX/XXXX payment. I wish to pay to XXXX XXXX or other " escrow '' pending the reassignment of the mortgage servicer. I request a full inquiry into the business practices of both BoA and XXXX. I will be exploring the possibility of a class action lawsuit. 
Please respond ASAP. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Bloomingdales did not appropriately safeguard my credit account information. Someone accessed my account that had not been used in years and began ordering multiple high-dollar items on consecutive days. The first package arrived to our previous residence and we were notified by the tenants we had receive a package. I immediately notified Bloomingdales on XXXX XXXX that a fraud/security breach had happened and that I did not order this item. They kept me on the phone for over XXXX hours while they tried to figure out what was going on. I was eventually told that the perpetrator was able to order over {$2300.00} worth of items and change the shipping address with NO fraud detection!!!!!! I ca n't even place a single online order without them holding it for verification, but this person was able to ship multiple $ XXXX items to a new billing address???? 
I was told by the representative that they would send out a fraud form and cancel XXXX my store account ( which these charges occurred on and my XXXX ). On XXXX XXXX, the company proceeded to process a payment from my bank account despite my notification over a month before notifying them of the FRAUD!! I contacted them again, spend another hour + on the phone, requested to speak with a supervisor, spoke with XXXX different reps and was advise to fax in my bank statement showing the charge as well as my bill and the dispute information. I did that in late XXXX and I still have not been refunded for the amount they had no right to take from my checking account AFTER I reported the fraud. This company is neither protecting consumers from FRAUD, nor notifying their customers when a data breach has occurred and they owe me over {$2300.00} that they unrightfully took from my checking account after the fraud notification.
Product: Credit reporting or other personal consumer reports

I was asking for a credit limit increase online for Macy 's credit card, and they did a hard pull credit inquiry from XXXX without proper authorization.
Product: Money transfer, virtual currency, or money service

Someone called me claiming to be from Bank of America fraud prevention and said that a credit line was open in my name and someone was using XXXX to transfer money out and that I needed to go to my XXXX XXXX linked to my XXXX XXXX to enter some codes to block these transfers. I called XXXX and disconnected XXXX  from my XXXX XXXX. The person calleing and claiming to represent BOA kept calling back from the phone number : ( XXXX ) XXXX. They said I needed to call XXXX at : XXXX. 

I reported the case to the FTC as possible identity theft. The FTC identity theft case # is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out on XX/XX/XXXX and received no response from department XXXXf education/ Nelnet in which I followed up on XX/XX/XXXX via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX and XX/XX/XXXX in which there still has been no response and it is XX/XX/XXXX. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.
Product: Vehicle loan or lease

My auto loan has been refinanced and I submitted a Gap cancellation request to the Gap insurance provider. The cancellation has been processed and the refund check was issued to XXXX XXXX. I have called Customer Service multiple times but no one can confirm when I receive the refund check of my Gap insurance premium.
Product: Credit reporting or other personal consumer reports

I hope this reaches you well. I am requesting that the enforcement of deletion of items on my credit report from Experian be removed as instructed by law. It is obviously, with the lawsuit in progress, that Experian has not been operating in the best interest of the consumer. In doing that has caused great damage to my personal well being by not providing an accurate credit profile for myself and others. The following violation have been violated : 15 USC 1681i ( a ) ; 15 USC 1681i ( a ) 6 ( B ) 3 and 15 USC 1681i ( a ) ( 5 ) B. 
The following items fall under the previously mentioned violations : XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$350.00} ; {$1100.00} XXXX XXXX  {$710.00} XXXX XXXX {$440.00} Thank you for your Dedication to what is right, XXXX XXXX
Product: Credit card

Throughout my history with this account, I've consistently made timely payments, avoiding any instances of overdue payments. I'm uncertain about the rationale behind the late payment remarks appearing on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a " repeat '' of my CFPB complaint that I filed on XX/XX/XXXX, Case # XXXX, which took Equifax 9 months to correct as evidenced by my Equifax Credit File Report I received on XX/XX/XXXX, Confirmation # XXXX. The SAME error, wrong PMB #, appears in my current Equifax file which has now caused myEquifax account to be " locked ''. The wrong PMB number being reported belongs to a person whom has the same name as me. Note : My spouse, whom has the same address as me is unaffected since the error does NOT appear in her credit file. As a result, I am unable to temporarily lift my " credit account freeze '' which may now cause me to suffer a significant financial loss. I called the Equifax customer service number on XX/XX/XXXX and spoke with two overseas representatives, one a  supervisor, for 33 minutes with no resolution. On XX/XX/XXXX I spoke with five USA representatives, whom two were supervisors, for 85 minutes with no resolution. Additionally, Equifax representatives informed me there is now a " new '' incorrect address regarding the last digit in my PMB number. Supposedly, a correction is being submitted to correct this latter error, but I am still unable to lift my credit account freeze because Equifax is reporting the same error in my address that they eventually corrected per my XX/XX/XXXX CFPB complaint.
Product: Checking or savings account

My business several months ago started receiving large amounts of SPAM that is obviously the result of our PPP loan and discharge. The spam uses my business owner name and business name and offers " business loans '' using deceptive emails and directing to deceptive websites. Unsubscribe requests are not honored. 

I get 2-3 of these emails every day, and frequently from the same small group of companies that are likely spamming every single business that got a PPP loan XXXX 

The most recent email claims to be from a " XXXX XXXX XXXX '' which is the name of an actual bank that was merged into US Bank in XXXX, but which no longer exists. The address used is a XXXX mailbox and office-sharing company. I believe it is illegal of a non-bank offering loans to even use the word " bank '' in its name. 

Full email copied below : XXXX, I wanted to reach out and let you know that we are back to offering our term loan products due to the high demand from our current portfolio. In the past The XXXX XXXX had applied for a line of credit with one of our subsidiaries, so I ran a quick credit analysis and wanted to push out an offer in the amount of {$180.00}. 
The business loan is good thru XXXX XXXX and can be activated at any time. Since we offer a variety of business loans I would suggest you call one of our loan officers at ( XXXX ) XXXX to discuss the best structure for any upcoming projects. 
If you want to take a peak for all current available offers The XXXX XXXX would qualify for, click here on your custom portal. 
Should you decide to reply via email please state the dollar amount request so I can have the appropriate person reach back out. 
Sincerely, XXXX XXXX | Chief Credit Manager Phone : ( XXXX ) XXXX Email : XXXX If you no longer want to hear from us, click here to Unsubscribe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX