23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX thru Love, Beal and Nixon has been garnishing my wages for a debt that is well over 7 years old. They have violated my rights under the FDCPA Fair debt collection act. In XXXX XXXX, XXXX XXXX XXXX had a Civil Action against me. Love, Beal and Nixon filed it on XXXX XXXX 's behalf of a credit card debt of around {$1000.00} ( I dont know the true balance ) in XXXX XXXX Oklahoma. I was never informed of this court hearing. I found out when on XXXX/XXXX/XXXX when XXXX XXXX started garnishing my wages at 25 % per paycheck. The paperwork was supplied by my employers, not XXXX XXXX or Love, Beal and Nixon. That was when I contacted XXXX Co Courthouse for documents of the Civil Action. The balace of the bill was {$4800.00}. That was about five times the accual amount of the bill. Then I moved from Oklahoma to Florida in XXXX XXXX due to the tornadoes destorying my home. 
In a new job in Florida I was yet again getting my wages garnished on XXXX/XXXX/XXXX. XXXX XXXX again thru Love, Beal and Nixon was garnishing wages at 25 %. I called XXXX XXXX and they told me I would have to contact the lawer firm handleing the case. I called Love, Beal and Nixon and tried to settle the case due to financially difficulties I was having. I was informed that they would not settle and if I didnt pay the full amount they could go to court and get me to pay more money than I owed. Love, Beal and Nixon didnt record my phone call and the woman I was speaking with refuse to tell me her name. She was cussing at me and telling me the firm and XXXX XXXX owned me and they could do what ever they wanted to get payment, the court was on thier side. About 4 months later I was contacted by Love, Beal and Nixon about settleing the debt. The man stated he was authrized to allow the amount garnished to be enough to settle the debt. He would be sending me a letter in the mail stating the debt was settled and considered paid in full. The letter never came. I tried to contact Love, Beal and Nixon at the phone number he provided and it was disconnected. Then called the phone number on all the papwork and was hung up on. Then on XXXX/XXXX/XXXX XXXX XXXX allowed Love, Beal and Nixon to garnish my bank account. They took {$1000.00}. 
XXXX XXXX and Love, Beal and Nixon has never once contacted me on any of the court cases against me. Niether has XXXX XXXX XXXX house where the judgements are coming from. The debt is well over 7 years old and doesnt even show up on my credit report anymore. Plus the fact that they settled with me and yet still coming for money and the XXXX Co Court is letting them. I know now that XXXX Once and Love, Beal and Nixon lied to me about the settlement as I have never gotten the promised settlement letter.
Product: Credit reporting or other personal consumer reports

My credit profile has been affected due to data breach. The attached documents support the account with dates and amounts that are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1900.00} and XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. 
SAFCO ***** Opened Date XXXX XXXX, 2015 XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX # Account Number XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Account Number xxxxx XXXX, XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX, Account Number XXXX XXXX  and XXXX XXXX  Account Number XXXX XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

I am writing to you, formally, expressed my concern regarding Zelles handling of disputes, particularly in the light of the CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect its consumers but has also allowed repeat offenders to exploit the system, leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX Address : XXXX XXXX XXXX XXXX, AZ XXXX Account number:XXXX NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX, MO XXXX Dear ( XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/2021 I mailed a check for the current payment due by XX/XX/XXXX to Kohl 's, sending it to XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. On XX/XX/XXXX I had to make an online payment to avoid late fees. That check FINALLY posted on XX/XX/XXXX. 

On XX/XX/2021 I again mailed a check for the current payment due, and that check took 24 days to post. 

I have 2 other Capital One credit cards that go to different post office boxes, but in the same city and they post in 3-5 days. 

This account seems to have a problem checking the post office box for payments!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

We have multiple credit card accounts that are fraudulent showing up on a Experian credit report. We were told to file a report at identitytheft.gov and upload it at Experian website to get the accounts removed from our account. But the upload feature does not work. We have less than 7 days to get our escrow complete but can not due to Experian 's credit report. The only way is to mail it in but will take 30 days. Experian is running a business that supports fraudulent activity. Then they make people go through hoops with very little support. It's like a Catch-22, you need them to get financed but if there are any issues, you can not get it resolved. They allow themselves to get hacked, which led to consumers getting identity thefted, and in the end will pay more in financing costs. I would not be surprise if Experian gets paid by financial institutions to make things difficult and more expensive for consumers. They need to have a speedy process to clear up identity theft or any issues especially if they are the ones providing information on consumers.
Product: Credit reporting

Debt was paid in full on XXXX/XXXX/16 ( see attached e-check receipts ) however it continues to be reported as an unpaid collection debt to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I've contacted XXXX more than 3 times about information they are reporting that supposedly reflects a " serious delinquency '' on one of my accounts. I've examined my ENTIRE credit report multiple times but do not see ANY delinquency shown there. I do NOT have any delinquent accounts, nor should I have negative information on my credit report. This improper reporting of information is affecting my ability to secure low interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXXXXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/22 to the present date, I have been trying to get transunion to stop reporting inaccurate information which has been harming my credit score and seriously impacting my finances. I have never given permission for any company to inquire about my credit status. the inquires that transunion is reporting are unauthorized and needs to be deleted. Two out of three reporting companies are reporting accurate information transunion is the only company that is reporting inaccurate information and it needs to stop. Upon countless requests for them to stop reporting inaccurate inquires I have be told from managers that represents their company that they will not help me.
Product: Checking or savings account

On XX/XX/2022 I tried to use my debit/master card and it was declined. I attempted to call Citibank 's central number and they indicated that they could not identify me because the information on my account did not match the phone number, address and email address that I was giving them. Therefore, I went into the branch that has known me for over 20 years and discovered that my account had been hacked and taken over by someone else. The events that they undertook are as follows : XX/XX/XXXX : Somebody ordered a new card over the phone and requested a " Fast Card '' delivered to an address in New Jersey. Please note that I live in California. 

XX/XX/XXXX : Somebody Called and changed the pin number on my existing debit/master card via a customer service agent. 

XX/XX/XXXX : Somebody, changed the email address on my account to XXXX XXXX XXXX. This is not my email address. This was performed over the phone with a customer service representative. 

XX/XX/XXXX : Somebody changed my email address via access to my account to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Again, I live in California. 

XX/XX/XXXX : Somebody changed the PIN on my debit/master card. They also went into my online account and moved money from three different linked accounts into the account associated with my debit/master card. 

XX/XX/XXXX : The debit/master card that was ordered to be delivered to New Jersey was used to withdraw {$1000.00} from an ATM in New Jersey XXXX There were XXXX transactions, XXXX being {$400.00} and two being {$100.00} each. 

Again, I discovered that my bank was emptied on XX/XX/XXXX when I tried to use my card. I reported everything to the bank and they performed an investigation. After several weeks they declined my claim because they said that I testified that I always had possession of my card. I argued that they gave a new card to somebody in New Jersey, so they filed an appeal for me, which was subsequently denied for the same reason. I spoke to a supervisor on the third attempt who again filed an appeal, which was also denied on the basis that it lacked credibility. I don't understand how the fact that they sent a card to another individual XXXX miles away lack credibility. 

I am hopeful that you can help me bring this to a conclusion and recover the {$1000.00} that was taken from my account due to Citibank 's lack of proper verification of identity. 

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

Equifax and XXXX  credit bureaus placed bankruptcy on my credit report. No bankruptcy record on file at courthouse in XXXX. Letter of dismissal is available from Judge. Letters filed and request for removal from credit reports not being handled.
Product: Debt collection

The seller is the XXXX XXXX XXXX  XXXX Debt collector is : Portfolio Recovery Associates LLC. 

My name is XXXX XXXX. I'm filing a complaint in regard to unrelated bank charges while having an account with XXXX XXXX XXXX  for {$2000.00} toward my account. I have disagreed with the bank related to charges of my account. After the dispute the bank sold the amount to debt collector agency Portfolio Recovery Associates LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is charge off account from first Associates that appears on my credit report. I do not know what this account is and I have called the company and requested a copy of the agreement/contract and nothing has been provided to me. 

I have attempted to dispute this with the credit bureau but they ultimately say the company provided documentation. I want to see what documentation is being provided so that I can understand what this account is.
Product: Credit reporting or other personal consumer reports

Credit reports are used by lenders, insurers, CEOs and investors to make decisions that affect every facet of peoples lives in the system of the United States Corporation yet these reports frequently contain errors. Congress passed the Fair Credit Reporting Act ( FCRA ) required credit reporting companies, and the companies that give them information, to respond appropriately when notified of errors and comply with the obligations put on them by Congress in the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong - to remove unverified information XXXX XXXX XXXX The FCRA provides people multiple ways to dispute inaccurate information on their credit reports due to identity theft. I disputed the inaccuracy of information on my credit reports with credit reporting companies XXXX, Equifax, and XXXX and XXXX. After the investigation into the disputed information, XXXX, XXXX and Equifax deleted disputed unverified information from XXXX. 

After my children were XXXX XXXX XXXX XXXX, instead of holding the influenced driver accountable - the dangerous individual avoided jail time. After XXXX accepted the overage payment from Veteran Affairs ; XXXX used XXXX XXXX XXXX to add a {$900.00} collection to my credit report. XXXX needs to investigate this credit reporting error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Rejection XXXX Need to Be Tracked Obsessed with attacking my African American, female, Veteran household, a fraudulent charge was made on an inactive, frozen, expired XXXX XXXX , then an fraudulent payment was made by overdrawing a dormant checking account with XXXX for {$37.00}. 

Per top XXXX XXXX XXXX XXXX - consumer reporting companies and CEOs that provide information to them ; have great influence over consumers lives, and need to meet legal obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to the Fair Credit Reporting Act, These listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  account number XXXX. 
XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, has violated my rights. 

15 U.S.C 1681Section 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 an account without my written consent.

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 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following unauthorized credit inquiries that appear on my XXXX credit report. I believe these inquiries were made without my knowledge or consent and therefore should be removed from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 
The inquiries in question are as follows : XXXX XXXX XX/XX/year> XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Macys occurred in XX/XX/XXXX. The previous month and the month after showing {$0.00} balances. But XX/XX/XXXX showing 30 days behind in payment. When I speak to Billing in Macys they also say it is odd that it is just XXXX  30 days behind and not paid in full, until XXXX? 

Then in XX/XX/XXXX again it shows XXXX, I paid the previous month in full. XXXX showing a {$0.00} balance, I asked billing when was the payment made? He could not tell me the exact date in XXXX? Huh? But it was for the full amount due? He stated I pay my entire balance, but it does show they dropped my credit limit from {$15000.00} to {$300.00}. Why? He did not know why? But I asked to speak with a supervisor. I did not care about my credit limit, but I did care about the passed due amount as we were still in XXXX and they were showing a {$0.00} amount due in XXXX, and 30 days pass due for XXXX? He could not explain it. He got a three way with two supervisors and they could not explain it. Said they would contact all 3 Credit Bureaus right away. I have been trying to get it removed ever since. Calling both XXXX who state they have contacted the Credit Bureaus and it is the Credit Bureaus who are not removing the negative report. Not XXXX. I have sent in a Dispute every month ever since. 

I find it strange both negative reports are in the month of XXXX. I refuse to use both cards now. I stopped using both cards. Or I pay the credit card bill as soon as I have shopped at XXXX prior to receiving the statement. If I didnt know better I would say someone works at the credit Bureau who knows me and is able to mess with my credit and make my payments late. Knows I have caught on and knows I am making payments prior to the due dates and can not change my payments. This is just cruel and I know it is illegal. 

Any investigation you can do I would be grateful. 

Regards, XXXX XXXX XXXX