23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXXXXXX XXXX has been harassing me on several occasions over the past year to try and collect debts. They purchase debts from mainly Synchrony bank but there are others and then attempt to get the money from the consumer in a sterner formatted letter and if you dont respond accordingly, they have a law firm they work with ( XXXX XXXX XXXX ) that then garnish your wages in which they did to me on one occasion in the last six months and made other attempts but didnt succeed. They first came to me about 6-8 months ago and attempted to garnish my wages and hadnt even sent me anything AT ALL! When my HR person contacted me telling me they received a legal letter to garnish my wages abs I freaked out because I didnt know what it was. I about fell out of my chair, both in sick and embarrassment. This was a new job and I am management! When I reached out to them and threatened them to stop because they hadnt even informed me, they retracted immediately. However, about three weeks later i got something in the mail and my company received another formal letter to garnish my wages in which they had to. From then on it got worse and NONE of the attorneys would speak to me or take my calls and the only people that do are customer service and theyre completely rude and sarcastic and dont care that your whole world is being turned upside down. They claim you need to speak to an attorney and yet you never get through to one.I became so frustrated and told them I paid these balance ( s ) or that they werent even mine but it didnt matter at that point. When I reached out to the credit card company they dont even know who XXXX XXXX XXXXXXXX is and many arent sure how its getting to this connection agency. The one debt from XXXX, the person felt terrible but couldnt help me at that point because it has been sold to XXXX XXXX. I tried explaining this wasnt even my debt it was listed under my ex husbands name but it just didnt matter at that point. They then had the law firm garnish my wages at over 40 %! Im a single Mom and have XXXX  daughters that are XXXX and they take daily medications. I ended up paying it and it cost nearly {$1000.00} more with the fees from their firm. Totaling like nearly {$3000.00}. And the original debt was {$1600.00}. Now, theyre coming at me again for a ANOTHER DEBT that is from XXXX, over six years. A SAMS club Mastercard in the amount of {$3800.00} and I honestly cant take it!! They will be threatening my new job AGAIN by garnishing my wages and I wont be able to pay my bills and live when they do that! They have to STOP! Its killing me and my family! PLEASE SOMEONE HELP!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I have tried to resolve this issue with EXPERIAN, XXXX and XXXX on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.
Product: Debt collection

Dispute letter was mailed on XXXX and XXXX. In the letter as written discussing about validating this debt in the amount of {$680.00} no action was taking by AMERICOLLECT XXXX XXXX XXXXXXXX XXXXXXXX XXXX Its reporting to all XXXX credit bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

I have an unfair interest rate based on my verifiable income, high interest rate, length of time with the credit union, agreement for automatic payments, and 100 % on-time payment history.
Product: Credit card or prepaid card

on XX/XX/2018 I received notice of an XXXX computer ordered on my XXXX account. I called customer service and cancelled the order and the credit card that was opened in my name in fraud. I then received the card and called Syncrony Bank and again cancelled the card and closed the account as fraud. 
I have systamatically changed all my login passwords to hinder the thief that tried to do this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry XX/XX/2023
Product: Debt collection

I am filing this complaint regarding my interactions with Blitts and Gaines PC over a disputed debt. When I contacted the company to negotiate a settlement on XX/XX/year>, they demanded to know the source of my funds, despite my current unemployment status, and refused to proceed with negotiations unless I disclosed this information. Additionally, they are attempting to collect an amount higher than the original balance, including a {$95.00} fee that was never previously disclosed. They insist that I pay the full amount or two payments exceeding {$4800.00}, which I believe is inaccurate. 

Furthermore, after I formally requested a debt validation letter on XX/XX/year> under the Fair Debt Collection Practices Act ( FDCPA ), they initiated legal proceedings which have yet to be assigned a date, against me instead of providing the requested validation on. This action appears to violate the FDCPA, which requires debt collectors to validate a debt upon request and cease collection activities until the validation is provided. 

Their unwillingness to negotiate in good faith, the imposition of undisclosed fees, and their failure to comply with the FDCPA are unfair and unlawful. I am requesting the CFPBs assistance in addressing these violations and ensuring fair treatment in this matter.
Product: Mortgage

Borrower seeking compensation & damages for all Unapplied, Misapplied Funds by Suntrust processing department in XX/XX/XXXX. 
Full compensation for Late fees applied in XX/XX/XXXX which were than charged in XX/XX/XXXX ( not once but three times ) .These mistakes of course involve again pulling FULL made payments into suspense which SunTrust ca n't keep track of. 
The borrower will provide payment receipts for payments made before and after the late fees charged, so that there can be a continuance. 
XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX - Full payment is pulled into suspense? No late fee XXXX XXXX -paid XXXX XXXX XXXX -Skipped NOT posted XXXX Late fee charged {$77.00}? 
Past due {$2200.00}? 
XXXX XXXX -paid XXXX XXXX XXXX is posted to XXXX? XXXX Late fee charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX - paid XXXX XXXX XXXX - statement date XXXX XXXX XXXX Late fees charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX XXXX statement date XXXX XXXX ( transaction date bottom row shows XXXX ) on top the receipt states XXXX XXXX? XXXX Late fee is charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX statement date XXXX XXXX XXXX is charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX XXXX statement date XXXX XXXX XXXX charged {$77.00}? 
Past due {$4400.00}??? 
XXXX XXXX -paid XXXX XXXX XXXX -posted XXXX No late fee ( XXXX XXXX added a late )? 
Past due {$2200.00}??? 
XXXX XXXX -paid XXXX NOT POSTED or credited anywhere & gt ; {$2200.00} Due back to borrower!! 
XXXX XXXX -paid XXXX XXXX is applied to XXXX XXXX XXXX No late fee ( XXXX XXXX added a late )? 
Past due XXXX So someone realized the mistake and fixed everything but did NOT correct any of the late fees charged of {$540.00}. there is also ONE Full payment From XXXX XXXX which was NOT credited anywhere which is now due back to borrower with interest since XX/XX/XXXX. 
XXXX XXXX investigation completely false and inaccurate! In XX/XX/XXXX she went back to XX/XX/XXXX to find more fees to apply to the mod - Not only that they Bogus and should have been adjusted once the mistake was fixed but as it turns out there is ONE full payment from XXXX XXXX XXXX - Missing {$2200.00} with interest to be refunded to borrower. 
the entire list of the lates charged in XX/XX/XXXX in the modification are uncorrected mistakes and the rest are fabricated. All receipts with statements are attached.
Product: Debt collection

Hunter Warfield , Inc. has unlawfully reported an alleged debt to my consumer credit reports without proper justification or compliance with federal regulations. Specifically : 1. Violation of Regulation F : Under the new Regulation F, which took effect on XX/XX/2021, Hunter Warfield , Inc. has violated FDCPA 1006.30 ( a ) by parking an alleged debt on my credit report without making any prior communication to inform me of the debt. 
2. Lack of Permissible Purpose : I have not provided written authorization for this information to appear on my credit report, in direct violation of 15 U.S.C. 1681b ( 2 ). 
3. Aggravated Identity Theft : By reporting this debt without my knowledge or consent, Hunter Warfield , Inc. has committed aggravated identity theft under 18 U.S.C. 1028A, which involves the unlawful transfer or use of my personal identifying information. 
4. Failure to Cease Reporting : Despite my written Cease-and-Desist request, Hunter Warfield, Inc. continues to report this alleged debt to consumer reporting agencies, violating my rights under 15 U.S.C. 1692c ( c ). 
5. Harm and Damages : This inaccurate and erroneous reporting has caused significant harm to my creditworthiness and personal reputation. It has also created undue stress and financial hardship for my family.
Product: Credit reporting or other personal consumer reports

I contacted XXXX via US Postal mail and Fax. XXXX claims its been verified the XXXX  XXXX on my public record as Accurate and True. This is a LIE.

I have a letter directly from the NJ Federal Bankruptcy Court saying they report to NO ONE!! 
XXXX cant produce evidence that they have been working directly with the NJ Bankruptcy Court regarding my XXXX XXXX inaccuracies.

The public record must be removed per the law.
Product: Credit reporting

I have sent Equifax XXXX notices to resolve an issue on my credit report regarding XXXX XXXX XXXX XXXX which has to accounts on my Equifax reports. These accounts are now been negatively impacting my reports for almost 8 years. And because they have reached their 7 year mark, they need to be removed immediately. As I am trying to get mortgage.
Product: Credit card or prepaid card

Someone tried to access my account and change my information. The credit card company flagged my account and contacted me. Someone has access to some of my information.
Product: Student loan

After XXXX failed attempts to rectify my issues with Mohela, I am completely frustrated. My consolidation was sent on XX/XX/XXXX. I recieved information that it would've processed timely. Yet they processed it in XXXX as well as my payments are sitting in XXXX. No updates have been given after calls by myself to check status but the same rhetorical statements. 
Due to the due date of the waiver, this has placed me in a horrible situation that I would like to be rectified. Mohela calls range from ( XXXXXXXX XXXX hold times ) with no resolution.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a secured credit card from First Progress. 
On XX/XX/XXXX, I paid First Progress {$2000.00}. My Credit Card Available Credit was to be adjusted to {$2000.00} First Progress agree to send a credit card for this account within 2 weeks from the date of my payment on XX/XX/XXXX. 
First Progress did not send a credit card until 30 days later. 
When I received the credit card and attempted to activate the card, First Progress claimed the card had been deactivated and a new card had been sent to my address. 
I never received a second card. 
I called First Progress to request a new card. 
First Progress still never sent a new card. 
After more than 60 days had passed, I demanded that First Progress close this account, remove it from my credit report, and refund my entire {$2000.00} payment. 
First Progress Authorized Representative agreed to close the account, remove it from my credit report, and refund my entire {$2000.00} payment. 
As of XX/XX/XXXX, First Progress has since requested a refund of the amount they returned to me and they have reopened this account fraudulently after closing the account. 
First Progress now has {$2000.00} of my money and refuses to provide access to this account, provide a valid credit card, and they refuse to refund my entire payment. 
I am now in distress and suffering financially because First Progress has caused my checking account balance to be negative {$2000.00} and I have no access to the funds they claim are available via a credit card account I do not have access to.
Product: Payday loan, title loan, personal loan, or advance loan

When I initially signed up for the loan I asked to borrow {$3000.00} and was approved for it. The company instead gave me {$2500.00} with a finance charge and then another {$500.00} with another finance charge and told me I could end up paying up to 299 % and I stated that I thought that was too much and would not pay that and wasnt going to sign for that amount and I didnt. 

I just happened to look at my paperwork and noticed that they are charging me 299 % interest and that is not the document that I agreed upon or signed and when I spoke to a representative, in XXXXXXXX XXXX  ( I want to say her name was XXXXXXXX XXXX I can not find my notes ; she stated that is what I signed, and I looked at my original contract and that is not the case. 

I also went online and now there is a document that they want me to sign I guess so that they can state that I agreed to an amount that I never agreed to and I want the overage of my funds, as that type of practice is deceptive.
Product: Mortgage

I lost my job on XX/XX/XXXX, I contacted Wells Fargo and requested a loan modification, it was denied. I was re hired by my prior employer XX/XX/XXXX and requested to Wells Fargo to give me a home modification ; I also begin to do regular payments, I am an XXXX at the XXXX. Members of the XXXX are protected for foreclosure, however Wells Fargo does not recognized my military status and my good intentions to pay my mortgage. I have submitted all the documentations to XXXX XXXX XXXX a home preservation specialist, he however had stated that he have not received them. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Housing Officer ) had contacted them, nevertheless Wells Fargo promise to help and then fail to their promise. The office of family support from the XXXX contacted Wells Fargo, however Wells Fargo was unwilling to help. My home suffered major foundation damage from the flood, in addition appliances were destroyed. I have been paying for all this. FEMA came to my house and witness the damages, I am currently submitting estimates for some of the damages that I have not been able to cover. Wells Fargo had affected my credit ( I am unable to take a loan ), they had affected my mental health ( I am under emotional treatment due to their harassment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX XXXXant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account Number XXXX, and XXXX XXXX Account Number XXXX have violated my rights. 

Upon reviewing my TransUnion, report on XX/XX/2024, I was deeply troubled to find that some information is incomplete and inaccurate. This has had a direct and negative impact on my financial standing, a situation that the Fair Credit Reporting Act is designed to prevent, as stated in 15 USC 1681 ( e ) ( b ).

Additionally, according to 15 USC 1681, if information is found to be inaccurate or incomplete after any reinvestigation, the consumer reporting agency must promptly delete or modify that information based on the results of the reinvestigation and notify the furnisher of the information.

Moreover, according to 15 USC 1681s-2, no information relating to a consumer should be furnished to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with Freedom Mortgage Corporation. I contacted them about a refinance and they pulled my credit reports on 6 different occasions without offering a product or service. When I followed up with the company I got bounced around from person to person and nobody replied to my email. I am including my emails to this message. I have an excellent credit score and having 6 inquiries in such a short time is going to affect my credit. I moved my loan to another company after this as I did not sign any disclosures or give verbal approval to run my credit and the six inquiries on my credit would never have been approved if I was not trying to receive a product or service.
Product: Payday loan, title loan, or personal loan

Got laid off my job and the insurance would not cover the loan ..due to the fax having issue with unemployment moving from ny to Nc state a whole lot of red tapetried call on i bank for Assistance no help a bunch of run around.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is reporting a collection to Experian and XXXX. I have not done business with this company. I am concerned about my identity. My personal information has been sent to a 3rd party collection agency without my expressed written consent.
Product: Money transfer, virtual currency, or money service

I was XXXX  discriminated against because I'm XXXX-XXXX. They made multiple excuses as to why they couldn't cash my check and each one did it make sense first they said they couldn't cash it because of the amount so I clarified that I've cashed checks with them before and they explained to me that the smaller branches like that one have a Max of XXXX if anything above XXXX for XXXX customers you have to go to a larger Branch. The next excuse was that my daughter 's name was outlined on the check, the check was issued to me as her guardian on her behalf for the settlement agreement and documentation that I provided at the date of service. When I asked for the names of the manager and banker I was given attitude and told they couldn't cash it. She also went to get security as if they were in danger of me with XXXX children. This kind of thing can not continue.
Product: Credit reporting or other personal consumer reports

My identity has been involved in a XXXX data breach. I was unaware of the data breach and was then hit with constant calls that involved debt collectors from Credit Card companies and personal loans. I believed that these were just spam calls and people trying to get me to pay money that was not real. I then tried to pull a credit report and the credit report was frozen and they were not frozen on my behalf. I have filed a claim and an identity theft report. Please remove all hard inquires, payments, and collections from my report. 

Thank you
Product: Mortgage

I have requested to cancel our {$41.00} monthly PMI due to reaching 80 % of the original value of the property based on my closing documents. They are refusing to remove it and emails and requests were sent on XX/XX/23 through today, even though I have provided them with all of the supporting documentation.
Product: Debt collection

I was contacted by XXXX XXXX XXXX XXXX XXXX several times over the last month - each time I was told that I owe {$1300.00} to CheckSmart XXXX XXXX, and that I could settle for a payment of {$390.00}. I've never borrowed money from them, and I've had other " companies '' call and claim the same thing. On top of that, XXXX is calling some of my family members! I'd like to file a complaint about XXXX, and CheckSmart XXXX XXXX- I don't know who the scam is coming from, but it's one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been violated and need monetary relief these bureaus are deny my rights as a consumer. I've been calling and submitting complaints to these bureaus so I hope you can help me resolve my issues. I am a victim of identity theft. The information listed Below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I am writing because you have failed to block information from my consumer report In regards to an identity theft report filed with the FTC ( Federal Trade Commission ). This statement from me the ( CONSUMER ) states this request to block is not an error, I also state the information is not information relating to any transaction by the consumer ( ME ). What is your basis of a material misrepresentation of fact by the consumer relevant to the request to block? 

How did you the ( CONSUMER REPORTING AGENCY ) reasonably determines that? 
( A ) the information was blocked in error or a block was requested by the consumer in error ;? 
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or? 
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.? 

I have identifying information on my consumer report that are a result of identity theft. These items are not related to any transactions completed by me. I did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions. I did not provide written consent or permission. I HAVE THE RIGHT OF PRIVACY.
Product: Credit reporting or other personal consumer reports

This account is inaccurate however these consumer reporting agencies " verified '' it. I demand to know the procedures they took to verify this inaccuracy. I got proof of its inaccuracy. See attached.