23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX my employer received notice of a wage garnishment order. This was my first notice of this action and I believe improperly executed and has violated my rights. I have been paying XXXX XXXX XXXX,   XXXX XXXX XXXX., XXXX OH XXXX since XX/XX/XXXX. ( I provided a copy of my bank statement yesterday. I have a revised copy with the XX/XX/XXXX dates. The copy I sent yesterday only shows the XX/XX/XXXX payments. ) XXXX  contacted me at that time and I provided financial information and the hardship I was in at that time. My son is an addict and as a direct result of his addiction, I was in extreme financial difficulty. At this time XXXX card had 2 judgments against me, one Im still paying, $ XXXX  monthly and the other I was able to settle. Ultimately my son was Sectioned and with the help of family I started paying back the debt that resulted from this period. Although I moved during the period of making these payments to XXXX, they were made aware of the address change. I have attached a copy of the notice they sent dated XX/XX/XXXX stating they closed my account. This letter has my address and it notes my student loan. My home address was on record as well as my good faith effort to pay back an amount I could afford at the time. In XX/XX/XXXX, I changed employment. You were able to track me to my employer ; however, although my address was on file and noted with my student loan, no attempt was made to reach me at my home address. I had no opportunity to review my loan or negotiate any revised payments. Since I received notice of the garnishment, I was able to review my loan which has an outstanding principal balance of {$48000.00} and {$6500.00} interest balance. My current balance according to the information provider to my employer is {$65000.00}. 
My employer is complying with the order as required however I am requesting the order withdrawn and the opportunity to renegotiate the loan and payment. 

Above is the latter I sent to XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I sent all the requested paperwork for consideration with the loan  rehabilitation program and requested a copy of my loan history and payment. 

I have not called them since my initial 2 phone conversations on XX/XX/XXXX and XX/XX/XXXX. I am not trying to get out of my loan but however would like the opportunity to  review the information and negotiate a payment schedule. Garnishing my wages without this opportunity, I believe, is a violation of my rights. I provided them with the requested documentation as well as bank statements showing my good faith effort to pay and XXXX  's knowledge of my address. 

The garnishment, which will be effective in my pay received Friday XX/XX/XXXX is going to place me in a financial hardship. I am supporting my XXXX year old son who has XXXX XXXX. He earns {$20000.00} a year and I provide over half of his financial support. In addition I have only been at my place of employment since XX/XX/XXXX and this has placed me in a very embarrassing situation. 

Any assistance in getting a hold on the garnishment so that I may review and negotiate my loan payments would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$45.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1800.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX, XXXX XXXX  XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and my personal information has been misused to create or manipulate the following accounts and inquiries on my credit report. I kindly request that these accounts and inquiries be blocked and permanently deleted in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act, Section 609 XX/XX/year> Subject : Fair Credit Reporting Act, Section 609 Dear XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

If you are unable to verify the account with the account with the original contract, the information should be removed from my credit report within 30 days MAX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does not provide the dispute outcome pdf on their site for all claims. It will randomly show an available pdf but the majority of disputes do not provide any information into the outcome. I even receive emails telling me to review the results online.
Product: Checking or savings account

My account was closed for fraud with funds still in that account, that have not been refunded to me. I also had disputes from companies that I had no knowledge of and cash app refused to investigate those transactions.
Product: Payday loan, title loan, personal loan, or advance loan

Interest Rate 243 % That is above the Arkansas Usery Law. 
I suspect that the Arkansas Attorney General will also want this information.
Product: Checking or savings account

There have been XXXX separate incidents that Chime Bank otherwise know XXXX, XXXX, XXXX, XXXX 2024 my account has been liquidate by a person XXXX XXXX. I have no idea who this person is and why they are on my bank account! I have been left without any money for XXXX months. I'm XXXX and I have a head injury, I rely on the money to be there and Chime Bank is a joke and I have filed XXXX separate disputes, and I have been denied my money back. How do you do that to a XXXX person who has had XXXX surgeries, a head injury and been a victim of fraud and survivor of XXXX, a house fire on XXXX XXXX with XXXX stepchildren?
Product: Credit reporting or other personal consumer reports

XXXX XXXX Continue to report negative Derogatory remarks on my credit report in the amount of {$2700.00}. 15 US Code 1679c - USAA FSB is reporting account closed - profit and loss. they have received the tax credit for this account and should remove this from my report. 

American Express - Ask for a consumer - good faith and remove the negative reporting as it was paid as agreed. 

Hard Inquiry from XXXX XXXX XXXX - Never got a loan and need to have this removed per FDCPA XXXXXXXX XXXX inquiry - Need to have this removed as I never received a product from them and per FDCPA it should be removed
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by Spears v Brennan, 745 N.E.2d 862 ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX XXXX XXXX XXXX PORTFOLIO and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. No response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, XXXX. XXXX XXXX, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX  XXXX  Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX LL Inquiry Date XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/2023 and XXXX XXXX XXXX Inquiry Date XX/XX/2023.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Kingston Data And Credit for committing identity theft. I have never given Kingston Data And Credit any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from before they Kingston Data And Credit committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Kingston Data And Collect can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Kingston Data And Credit can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Kingston Data And Credit continues its collection efforts, I will file for litigation for actual damages caused and Kingston Data And Credit will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Mortgage

We refinanced our Home in XX/XX/XXXX payoff our Nationstar Mortgage Loan. Nationstar is reporting a 30 day late and placing a derogatory history on my credit report. i have tried contacting nationstar with this issue but according to them, there is no negative reporting on their behalf. I am currently trying to purchase another home and this has affected my credit score. I have emails and the HUD 1 statement indicting that funds were sent and received.
Product: Checking or savings account

Something fraudulent happened in my BofA checking account I am not sure what. A check was deposited. Apparently it was deposited never touched never withdrew. XXXX XXXX felt it was fraud and froze the account. I had funds in that account prior to this deposit. The account is frozen and my funds can not be touched. They said policy is 30 days. I have waited over 30 days. I put in 2 hardship requests for my funds along with my XXXX  phone number. I was denied my hardship. Today I was told it could take up to another 60 days. They are holding my funds. I am XXXX  I have no money staying with a friend. They just tell me that the case is not totally closed. Today they told me it could be another 60 days. This is unacceptable. I dont even know about anything fraudi didnt touch the check that was deposited. I just want access to MY funds
Product: Vehicle loan or lease

Prior to todays payment my loan was 54 days past due, and prior to this month I was able to make payments on line even with the loan being over 30 days past due. I try to make a payment today and there system has barred me from making payments online, I would have to call and make a payment for a fee or go into one of their payments hubs to make a payment for a fee. I have never had a returned payment so I called asking why and I was advised its because my account is two payments past due and several other institutions do this, even though they werent doing this prior to this month. I was charged almost XXXX dollars to make a payment. Also I was told the only option I did not have was using ACH, the free option, because I needed to secure the account Using credit, debit, or cash at a location. But their online system accepts debit and credit so I could have secured the account the same way without calling.
Product: Checking or savings account

My debit card was cloned and therefore canceled. I requested a new one from my bank SOFI and its sponsor bank XXXX XXXX. It is unacceptable for an online bank with no brick and mortar branches to have a delivery estimated days for a meeting card of 7 to 10 business days. Additionally they are unable to do wire transfers. So not only I cant make purchases but I cant send money next day to my other financial institution. Given the fact that they are an online back they should have next day service for new debit cards.
Product: Credit card or prepaid card

I paid off Bank of America credit card on XX/XX/2022 and bank is still charging me {$4.00} in interest. Total payments I paid that month was {$4000.00}. 


Thank you, XXXX
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously tried twice to dispute an fraudulent account from my credit report. I submit my disputes on XX/XX/2022. The company responded saying ( the account verified ) with no proof of my signature. This account was open without consent and it needs to be removed from my credit report. 
These companies are not following the law according to Fair Credit Reporting Act ( FCRA ). USC code 1681 ( A ) states credit reporting agencies must conduct reasonable investigation when a consumer myself submit a dispute and delete information if the information is 100 % accurate. 

Account : XXXX XXXX XXXX 
Account : XXXX Transunion - account verified XXXX  - account verified The ( FCRA ) federal fair credit reporting act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Two morgage back started in XXXX, in year XXXX we had issue in employment lost and burgary in house as a result we filed the application with XXXX  XXXX XXXX and received approval for six month payment hold however XXXX  XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX  XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.
Product: Mortgage

In 2006 I purchased real property at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. I have been making payments to Truist ( XXXX ) and XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number # XXXX ) and paying taxes via XXXX escrow account with no late payments. I contacted XXXX XXXX tax accessors office and my name is not listed on tax bill, nor have I received any tax bills. Apparently when taxes are paid it does not reflect who is paying the bill, only that the bill is paid. The only reason, that I am aware of the situation, is because I wanted to place the property into a trust account. According to accessors office, the mortgage company should have filed the deed with the county accessors office, showing my name, so it would reflect on tax bills. I was informed by accessors office, that the ball was dropped somewhere, because there should be a deed on file reflecting my name, and I was informed to reach out to mortgage company. Therefore, I reached out to Truist and XXXX, whom I pay for my loans XXXX and XXXX with No Preval. I have been getting the run around from Truist and XXXX with getting to the bottom of this is. Truist and XXXX blames each other and no one is taking accountability. There appears to be poor communication, or a lack of responsiveness. Please help.
Product: Debt collection

The original creditor : Car Care One attempted to charge me for some unknown service many years ago. I disputed with the company about this false charge stating to them they had no proof of me ever authorizing such a charge, and requested that they some me proof. They could not. The matter seemed dropped. This was approximately 6-8 years ago. This is, and always has been, a false charge. I have no paperwork from this company. They never sent any. 
The issuing bank : GE Moneybank Apparently they have dug this up and sold this false charge to the collection agency : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX They never contacted me all these years. Now the erroneous charge is nearly doubled with interest. 
The original amount : {$600.00} Interest : {$500.00} for the total of {$1100.00} It was a fraudulent charge then, it 's a fraudulent charge now. Again, they could not provide any proof that I ok 'd this charge for an unknown service. 
I have no contact information for either Car Care One nor GE Moneybank
Product: Debt collection

In XXXX I received an Income Execution letter from Federated Capital Corporation. I immediately took it to a lawyer because I wasn't aware I had any outstanding debt. The paperwork didn't identify what the original debt was for. The lawyer sent a certified letter stating that I have reason to believe I am not liable for the alleged debt and to cease collections until the judgement is verified. 

In XXXX they started garnishing my paycheck for the judgment. When I asked the lawyer what happened, I was told the Collector sent proof of an Affidavit of Service to my daughter in XX/XX/XXXX! I don't remember receiving anything from my daughter and she can't remember from 5 years ago either. 

I bought a home in XX/XX/XXXX and there weren't any judgments on my credit report. I currently have excellent credit. I've been told that my only opportunity to dispute the judgement was in XX/XX/XXXX. Since I didn't, the Collector won by default. I think that's crazy! 

They waited 5 years to start garnishing my wages to claim even more money for interest. The judgement is for {$17000.00} and they are taking 10 % of every paycheck. I should have a right to dispute this at any time, especially since it's bogus. 

Thanks for your help