23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit report act, the list of accounts below has violated my federally proted consumer rights to privacy and confidential under 15 usc 1681. 
Capital One Auto Fin account : XXXX 15 usc 1681 section A. States have rights to privacy. 

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish without my written instructions.

15 usc 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 usc 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: Debt collection

Security Finance Corporation sold a debt ( I DID NOT OWE ) to XXXX XXXX XXXX. I was never contacted by mail or phone by Security Finance Corporation or XXXX XXXX XXXX regarding this debt. 

When I contacted Security Finance about this debt, I advised them, I never had this loan with their company and I did not take out a loan with their company. I advised them this had to be the result of fraudulent activity. 

After additional research I was able to identify that Security Finance was under investigation by CFPB for unfair practices who subsequently had a consent order put in place and my concern was one of the identified unfair practices. I disclosed this to Security Finance who advised me they are not reporting information regarding this debt on my credit report. 

I would like to reiterate, I was never contacted by mail or phone by Security Finance Corporation or XXXX XXXX XXXX regarding this debt. 

Security Finance inadvertently sold a debt to World Finance that I DID NOT OWE... 

Any loan in my name during those dates are fraudulent. 

I have attempted to resolve this with XXXX XXXX and I have not been successful with them. Instead they continue to furnish false information on my credit report about an account that is not mine. My rights have been violated by this company as they did not contact me before placing this debt on my credit report. They are also intentionally hurting my credit as well by providing additional false information. ALL information supplied to the credit bureau is false
Product: Debt collection

On XX/XX/XXXX at XXXX I received an email from my brokerage informing me that they had received a Writ of Garnishment for XXXX from Ray Klein , Inc. dab XXXX XXXX XXXX XXXX I was blown away as this was the first time I had been notified of any debts with a Ray Klein , Inc . I immediately contacted my legal membership and had an attorney pull and review the file. He told me that the file did look like a legally obtained judgment obtained by default on XX/XX/XXXX. He told me the original debt was a series of accounts totaling {$2000.00} back in XXXX. He told me the collection company had hired an attorney and I should contact the collection company in an attempt to remedy this. I did contact Ray Klein , INC . They told me the only way to remedy this was to pay the amount in full and that due to interest the amount was now {$9000.00}. I requested proof that this was even my debt and proof of service and they told me that they did not have to give me anything. A few days later I went to the local courthouse and got a complete copy of the file. A man named XXXX XXXX, process server, for XXXX XXXX XXXX, XXXX. swears under oath that he personally serviced me at XXXX on XX/XX/XXXX to an address that I did not reside. On XX/XX/XXXX XXXX XXXX XXXX XXXX denied a motion of default, due to documentation not meeting requirements of court rule 5.061 ( 6 ). Then there is a default judgement entered. Now a Writ of Garnishment for $ XXXX more money. The file seems poorly put together legally. I'm very angry that I was never properly served and no other notification to me in nearly 10 years. I'm sure Ray Klein, Inc. gets away with this type of practice often as in my search for  answers regarding this matter I have come across other consumers who have fallen victim to this same method of garnishment.
Product: Vehicle loan or lease

I had called the car company to come get it for years I also towed it to them once. The transmission was dragging out the bottom of the car.
Product: Debt collection

I do XXXX know who this person is but they go by XXXX XXXX and have been calling all hours and days and even called my parents and children asking questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX last XXXX reported me delinquent to all 3 bureaus - i was instructed to send them my insurance check for 2 payments - sent XXXX  per their instructions - i hired an attorney who sent them demand letter - they did nothing - although i have a recorded conversation stating XXXX  was at fault - now i go into hospital w XXXX  - my bank sends them instructions to draft w a letter - they dud not follow it and again reported me delinquent - i now am able to talk - no XXXX  / i sent them another payment - this company twice has reported fraudulently to all XXXX bureaus - i spent XXXX on attorneys and im a XXXX  survivor - XXXX - XXXX  - nothing has been done - ill file suit in federal court if this is not resolved in 21 days -
Product: Credit card or prepaid card

I have a discover credit card which is closed few years back as charged off. 

I recently fully settled this account 3 months back making payment calling to the discover customer service. 

They have not reported to credit report, it still shows account it charged back and there is a balance of {$1400.00} Last four of SSN : XXXX
Product: Debt collection

I have contacted XXXX XXXX XXXX XXXX over a dozen times explaining the Identity theft I have occurred. They have not only not granted my chargebacks on my credit card ( My money protected by the FDIC ), they have also let a fraudulent check be deposited into my account of {$40000.00}. They also call 4-5 times a day in attempt to collect the debt. I can not pay $ XXXX that another individual stole from me. I will be providing my Identity Theft Report with this complaint. This has been going on almost a year and has destroyed my life. The amount on my credit card is more than double what my credit limit is. How can that even be possible? I am not even able to login into my accounts to check what other activity is going on as well as when I call in, the representatives will not gain me access to my accounts or give me my account numbers to report to the FTC, CFPB, as well as XXXX, XXXX, Experian.
Product: Money transfer, virtual currency, or money service

It was anuthorized transaction that I did report to the company they promised to canceled and return money by the end of the day, they even put the transaction. As canceled on their website. And now they algate that the money was collected by receiver whe I call them and told them that it was and anuthorized transaction to cancel that I dint know the other person and they refused to put money back in to my account or refound a money that I dont used or authorized no body to used
Product: Debt collection

I called XXXX XXXX office on XXXX and spoke to attorney handling my case and told her that I received notice from them to collect a debt for republican Finance and that I was already been garnished by my employer. She asked if I could email her the court garnishment order and receipts to prove that my employer was sending payments to republican finance and I did that to her email. On today XXXX I received a letter dated XXXX verifiying debt that I owe debt of more amount to XXXX XXXX from Lloyd McDaniel with the same enclosed documents that they asked me to send to them to prove that I was already being garnishment for the debt. Lloyd McDaniels and XXXX XXXX are using illegal debt collection practices to collect on this debt because my employer has sent payments in the amount of {$230.00} and {$230.00} to XXXX XXXX the Garnishment started on XX/XX/2020. So far I have been garnishment for {$470.00} toward this debt owing {$1100.00}
Product: Checking or savings account

I am disputing a charge on my checking debit card that was not authorized by me. On XX/XX/XXXX, I requested a pickup of clothing to be washed and I also had labels on each bag inside and out stating this. On XX/XX/XXXX the clothing came back dry cleaned which is a substantial difference in money ( {$220.00} ) in excess of {$200.00} of what it should have been. I called many times to ask for an error correction from the company with no luck and therefore disputed the charge with my bank. The bank decided there was no error on part of the cleaners. I am forwarding a few documents, letters and photos that were involved and I have many more if needed. 
Thank you for any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

A initial letter was sent to Equifax on XX/XX/XXXX. They responded with no action. 
Per. 15 U.S. Code 1681b - Permissible purposes of consumer reports In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Per. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates As a consumer by law these inquiries listed below on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also I have already sent this letter to : Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commision You have failed to comply to my request of my letter dated on XX/XX/2021. And you are now in violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

has contacted company several times and customer service would not help and take care of the negative inquiries reporting to your credit report. customer service is always rude and not helpful. 

XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX :XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

XX/XX/XXXX-Forbearance resolution letter to Loan Depot. Asked for resolution by XX/XX/XXXX payment. 
No response XX/XX/XXXX -Sent follow up request in writing asking for a Deferral repayment plan. 

Letter dated XX/XX/XXXX but not received until XXXX ( Not received until XXXX XXXX denied request because you could only have one active assistance at a time. - Never had a choice XX/XX/XXXX Received loan modification papers. Interest rate was increased to XXXX from XXXX XXXX which we bought down XX/XX/XXXX. ) Phoned XXXX told VA set the interest and we could not adjust the interest rate. and we had to authorize the Modification or the offer would be with drawn. 

FAXed appeal letter on XX/XX/XXXX No response. ( they have 30 days to respond XXXX XX/XX/XXXX - Asked for VA confirmation. 

We are XXXX XXXX XXXX seniors living strictly on Social Security. Payments will increase by {$50.00} a month.
Product: Credit card or prepaid card

Citi credit card company cut my available credit limit in half without warning ( XXXX 2020 ). When I called customer service, they informed me that they had checked my credit score and decided to decrease my available balance without warning to the customer. I had had no prior issue with this company or billing concerns. My credit score dropped directly because of this action by Citi, and they were unwilling to work with me to solve the issue. After many calls, and many hours on the phone, I was never transferred to management or anyone above the initial customer service branch who I could have worked with further. The treatment by this credit card company was abusive to say the least. I closed my account ( XXXX 2020 ) with them because they were awful to work with, and had zero care for a customer who was willing to work with them. I have made consistent monthly payments since closing the account and am now, two years later, still being told that it will be another 3 years of paying over double the minimum payment before I will pay off the balance due to the predatory annual percentage rate. Based on the company 's actions without any communication with the customer, the lack of customer service, refusal to connect the customer with a manager or higher ranking business employee for more insight into my specific account situation, predatory interest charges, lack of explanation into the outcome of closing an account with them, and lack of communication with the customer regarding changes being made to their account, I am filing this complaint.
Product: Credit reporting or other personal consumer reports

i had other XXXXXXXX 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 XXXXXX/XX/year> i went to the XXXX dealer and i gave to them my information including my social security and they put over 11 inquiries on my credit report they destroyed my credit that i work so hard to, they asked me for my information I didn't know that if they will do that to my credit report, I knew I will never give them my information please help me to fix this...
Product: Checking or savings account

I am filing a complaint today against Bank of America.They acted like they were going to help me keep my account open.They manipulated and deceived me into thinking that.They were going to work with.They changed my account at my authorization to a different account.I allowed them to do it based on thinking they were going to help me.The rep that changed over the checking account to another account and closed checking account assured me that I would be helped.He assured me that I would be able to get an payment extension/Arrangement.Due to me being out on sick leave for months and not working the account got very overdrawn.I was able to work due to XXXX  and XXXX XXXX I have.XX/XX/XXXXXXXX and XX/XX/XXXX.I wasn't able to work.I am now back to working.I now work for myself.All I am asking Bank of America to do is work with me and keep their promises they made to me.I want to pay off the account.I am also asking them work with me in crediting the nsf fees or some of the 35 nsf fees.

I would like account to be reopened and or be able to open up an account.I was told 3 different dates by 3 different representatives.I was told that my account would be charged off the XXXX,XXXX and XXXX. 

I also have an unauthorized debit claim on file.Which I haven't receive the affidavits in the mail yet.I want a full investigation in to the unauthorized debit.I am willing and able to comply with the investigation.I am just wanting for the affidavit to come in the male from Bank of America.The account was charged off.I want my full claim credit.I was also wanting for the affidavit to come in the mail.So I could fill it and so I could adjust the claim credit and pay off the past due overdrawn amount.They haven't investigated my claim yet.Again I am still waiting on the affidavit.I don't think the account should have charged off until the investigation was completed. 

The claim # is XXXX ... Again I never received by any affidavit.So I can comply with the claim investigation.I am waiting on the affidavit. 

I don't think the account should have been charged off.Due to the claim on file and the promises the Bank of America Rep made to me ... When I called in on the XXXX XXXX.I would like to be removed from XXXX XXXX.I should not be there.The account should not had been charged off.There has been a lot of miscommunication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I have no knowledge of this debt. Ive just seen it on my credit report but I never received a notification or verification. 

Account name MIDLAND CREDIT MANAGEMEN Status Collection account. 

Balance {$4900.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate entry on my credit report. The item in question is a car loan from Capital One Auto XXXX, listed under account number XXXX. This loan should no longer appear on my credit report, as both my insurance company and gap insurance paid off the loan in full due to the total loss of the vehicle. Additionally, Capital One has incorrectly labeled the car as a repossession after receiving the payment from my insurance company to cover the total loss. This item has only been reported on XXXX and XXXX, and it has already been removed from XXXX.
Product: Debt collection

XXXX XXXX placed an account as charged off, Account # XXXX XXXX XXXX XXXX on my Equifax Credit report. Last year they deleted the entry and this year they re-reported it. I have asked Equifax to delete it this item, it is not mine, it is in someone else name, social and the only similarities is a partial address. It is still on my report. My social end with XXXX and is no where near the social this account is reporting under XXXX, but it shows up on my report.
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681| ( 7 ).

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

XXXX XXXX XXXX XXXXXXXX Provide Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.
Product: Mortgage

I currently hold a Mortgage with Ditech financial and rec 'd notification in XXXX 2016 that they have not paid my Property taxes. The property taxes were 6 months past due, When I called Ditech to follow up with them they told me they would start researching. I followed up about a month later and nothing had been done, They immediately began working on it and sent out tax payment to the assessors office. In Ditech 's error.. They sent a second payment a week later ( Causing an escrow shortage in my account ) I notified Ditech again regarding the error because I now have rec 'd a notification stating my Mortgage payment was increasing due to the impound shortage. This has been going on for almost 3 months now unresolved. I would like Ditech to credit back the funds to my escrow account they sent in error and verify and confirm that my payment remains unchanged. I escrow account is correct and there should be no payment increase once they credit back the overpayment they sent in error. Ditech will not put a supervisor on the phone, They state they are to busy and they just keep pushing me off to representatives, Tax dept ect, I am fed up at this point and am requesting assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has had something in progress since lest year, I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding XXXX XXXX min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.
Product: Student loan

I filled out and sent the school misconduct discharge weeks ago and have yet to receive a response. They are trying to stall while they transfer my loans to a new company and Im not paying a XXXX  I need my loans discharged today
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, i have a credit card from my bank ( XXXX XXXX XXXX ). Its reporting that i have missed a payment in XXXX. I have never miss any payments for my credit card. This information is reporting incorrectly.
Product: Credit card or prepaid card

I have two cards with Synchrony Bank beginning in XXXX. Almost every payment with this company has been a struggle. Ive called them numerous times to have the late fees and extra fees taken off because they said my payment didnt go through. Id call my bank every month to find it was never posted. This company is making 29.9 % enterest + late fees for every account thats late. I battled them every month to protect my credit score and my bank account. Im sure I am not an isolated case. My daughter also had the same issues. On XX/XX/XXXX she paid {$1500.00} on the account and received threats and calls about her 2 month past due payments. Im paying her bill off today {$3100.00} to be rid of them. They should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as my follow-up complaint for my previous complaint which contains these disputed items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want you to remove all of the listed items for I believe they are fraudulent
Product: Vehicle loan or lease

I am paying for a loan with credit acceptance I was told that I could refinance for a lower interest rate. The amount financed was XXXX. 
My finance charges was XXXX for a total XXXX. On a XXXX with XXXX miles subtract my down payment of XXXX I am still left owing XXXX. I had the truck XXXX months maybe and had to sink another XXXX because of the mechanical issues. I have been paying on this truck my credit isnt any better they not reported anything XXXX cant get refinanced. I cant trade it in be Ouse of what I owe