23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by XXXX XXXX of the Law offices of Patenaude and Felix ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ) ( XXXX ) on or about XX/XX/XXXX. 
Originally, they were asked to validate a debt in XX/XX/XXXX. They were unable to do so. In fact, I never heard from them after that. In XXXX they filed in XXXX XXXX, XXXX and had my wages garnished. I was never served papers at my current and legal home of residence. My wages were garnished for 60 days. The only way I found out about this was through the XXXX notifying me of the garnishment. 
In XXXX, I received another letter from the XXXX of intent to garnish my wages again. I contacted XXXX XXXX of Patenaude and Felix and came to an agreement for payment. We came to an agreement and I was sent a copy of that. I promptly made a payment of more than 66 % of the agreed upon amount. They also sent a copy of the Release of Writ of Garnishment ( dated XX/XX/XXXX ) with an attorney 's ( XXXX XXXX ) signature from the state of XXXX. XXXX XXXX claims that they sent the release the very same day to the XXXX. 
As of XX/XX/XXXX, My Leave and Earnings statement confirms that my pay has once again been garnished. This time, in the amount of {$380.00} plus an additional {$50.00} fee to the XXXX for processing. I immediately called the XXXX and spoke to XXXX XXXX ( XXXX ). XXXX XXXX confirms that his office has never received any notice from the debt collection attorney 's office and that they have made no attempts to contact him or his office by phone. 
This debt collection office is illegally collecting an unverified debt ; they did not contact me in the beginning of the court proceeding to allow me to challenge this ; after a legally binding agreement was made between both parties, they acted against their word and broke our agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account XXXX - XXXXXXXX XXXX XXXX XXXX  - Account XXXX - XXXX XXXX XXXX XXXXXXXX - Account Number-XXXX XXXX XXXX XXXX XXXX XXXX  Account Number- XXXXXXXX XXXX XXXX XXXX Account Number-XXXXXXXX XXXX XXXX Account XXXX XXXX - Account XXXX -XXXX XXXX  XXXX Account XXXX XXXX XXXX - Account Number- XXXX XXXX  Account Number-XXXX has violated my rights. 
15 USC 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 
I sent dispute letters To XXXX, Experian, and XXXX on the following dates XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX, and I haven't received any response from the 3 credit bureaus listed above.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I was XXXXXXXX XXXX XXXX with my XXXX, she was very XXXX  to me XXXX  me to get a line through XXXX because she couldn't get her her owe phone line because of a debt she owed with XXXX 

I was sending her money every month but she never paid it. 


1328 is the debt they want to collect I've tried to reach out already, please help Also the law says 15 usc 1692c ( c ) " If a consumer notifies a debt Collector Ihat tbe cansumer refuses to pay a debt the debt collector must cease all communication "
Product: Debt collection

XXXX XXXX. has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was ... established without my knowledge and I have no contractual agreement with XXXX XXXX. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, XXXX XXXX. is practicing UNJUST ENRICHMENT.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found items on my report to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of this information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I have disputed this account from my credit report months ago, the account is still showing with incorrect information. Dates that account was opened are incorrect, status as paid or derogatory are incorrect, dispute status is incorrect show that this account has never been disputed, still showing as a collection/charge-off when this account was settled, creditor notes state " paid charge-off '' and account legally settled. This can all be reviewed in the attached documents. 

Please remove the following from my credit report, immediately : GM Financial
Product: Debt collection

Vantage sources sent a form in the mail with an attempt to collect over {$700.00} from a XXXX account I suspended a few months back. The debt collectors claimed to file a law suit if I did not pay the money back within 30 days. I suspended the billing on the account the same month I had already paid the first bill. I should not owe these debt collectors and I confirmed with XXXX that I do not owe any sum of money to them personally.
Product: Debt collection

I joined XXXX of XXXX ( club # XXXX ) on XXXX/XXXX/XXXX. 

On XXXX XXXX, XXXX I was provided notice from XXXX corporate that XXXX XXXX ( club # XXXX ) would be closing on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I provided XXXX with written notice to cancel my membership as a result of the closure and I stopped paying membership dues for the XXXX XXXX XXXX XXXX. 

In reviewing my credit report, I discovered that the remaining membership dues were sent to collections ( OMEGA RMS # XXXX ). A consumer should not be obligated to pay club dues for a club that is no longer open, however, the collection agency continues to report this matter to the Credit Reporting Agencies, this has a negative impact on my credit score. 

For additional information, please refer to the NYS Attorney General Investigation relating to XXXX. 

Your assistance in resolving this matter and clearing up my credit report is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I had contacted Chime about the unauthorized transaction on my account. It happened at XXXX my time. I was in bed. My whole paycheck was taken. Total of XXXX dollars was taken out. The place it happened was XXXX XXXX located in XXXX, XXXX. Which is in XXXX. I did my own XXXX map search of it. That's where it took me. And I have repeatedly asked and sent the information to rebuttal their determination. I keep telling them I wasn't the one who did it. I was in bed. I always wait for my check to direct deposit to pay my bills. I went 2 weeks without food and electric because of them. I keep asking for it back. They are not listening to my side. I have done reported them to my local police department who said they keep getting the same type of call I had called in about. I just want my money I had rightfully earned be returned to me.
Product: Mortgage

I was notified I was delinquent on my mortgage ( missed payments ) in the amount of {$4500.00} the week prior to XXXX. I believed my husband was making payments and was current. I called Carrington Mortgage, but they were closed due to the XXXX holiday. I called the following week and they stated they could do a reinstatement letter, but could not inform me of the amount. They said the letter would arrive within 10-14 business days. The letter arrived via email on XX/XX/XXXX ( dated XX/XX/XXXX ) giving me until XX/XX/XXXX to pay {$8900.00} ( past due mortgage of {$4500.00}, a late payment charge of {$100.00}, Corporate/Expense Advances of {$2300.00}, and Paid Recoverable fee of {$1800.00} ). I had the {$4500.00} missed payments and wanted to immediately send that payment, but was informed they would not take the {$4500.00} and not accept anything less than the full {$8900.00}. I called them on XX/XX/XXXX at XXXX XXXX and spoke with a representative named XXXX XXXX in an attempt to pay the {$4500.00} and negotiate the advanced and corporate fees, I offered {$1500.00} to settle those charges. She explained these were attorney fees and non-negotiable. We asked of the attorney representing Carrington to seek to negotiate fees. We were referred to XXXX XXXX XXXX. We called XXXX XXXX XXXX at XXXX XXXX and spoke with 'XXXX XXXX at extension XXXX. She said that Carrington would be the party to make the decision to negotiate/reduce/settle charges. When we explained to her that Carrington referred us to XXXX the representative reached out to supervision and committed to connect back with us in an hour. We never heard a word back. We did wire, as per Carrington 's directive, the full amount of {$8900.00} to save our home. Since there was no legal action, no advance corporate fees, their unwillingness to take our mortgage payment, their unwillingness to reduce or settle charges, we are respectfully requesting your assistance in getting back the usury charges imposed by Carrington of {$2300.00} and {$1800.00}. Thank you.
Product: Credit reporting

I submitted a letter from XXXX stating that my account was paid as agreed. But experian credit reporting agency is saying that the account was paid for a lesser amount that was owed. Even though the letter is saying other wise. I disputed this two times with them but they are still reporting paid for a lesser amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 GM Financial made a fraudulent inquiry to my XXXX  report. XXXX  has instructed me to contact each company making the fraudulent inquiries, individually.
Product: Checking or savings account

I opened an account because Truist gives immediate access to funds upon submitting a check before the cutoff time. They informed me that because the account is new, they need to verify the funds. No other bank takes 2-3 weeks to verify a deposited check. I will be unable to access my funds for that entire time and they provide no accreditation until then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need some help, there is an inaccurate account listed which is FALSE information and I have brought it to the attention of XXXX which I received there response stating they aren't going to help unless I provide them with supporting documents which how would I have if it is inaccurate and false information listed on MY personal credit file and TransUnion how can they report inaccurate data like this how can one be current as of XX/XX/2012, 30 days XX/XX/2012 and XX/XX/2012 charged off. This account which is false XXXX XXXX   XXXX needs to be removed
Product: Credit card or prepaid card

To : Direct Express Re : Disputed transaction denied Date : XX/XX/2020 To whom it may concern, On XX/XX/2020 a fraudulent debit was made to my card in the amount of {$790.00}. to a merchant named XXXX XXXX ( apparently a tattoo parlor. ) I am a SS recipient so this loss impacts me greatly. I filed a dispute on XX/XX/2020 when my loss was noticed. On XX/XX/2020 my claim was denied.and the only reason given was " conflicting information ''. I can't imagine any conflicts as my written report of details was straight forward .. Since the call center would not give me details of their findings I have no idea how my account information was obtained by criminals. I can not imagine that it was my fault. My information was not obtained by my carelessness or willful disregard of safe card handling practice. I do not keep any card information nor my SS number on my computer. I always use padlocked secure websites to make purchases and I do not have my pin information written on my card .My card is always carried in my wallet which has a security chain to my belt loop. No one has ever been given my card for use and no one has ever been given my card number or pin..My SS number has only been given to you and the federal government " get my payment '' website. I can not tolerate a debit card which is so easily accessed by thieves with no re-inbursement possible. Unless I receive a prompt re-inbursement for my loss I will have no choice but to take this matter up with XXXX, Comerica, SS and the U.S Treasury. I am shocked and furious over my loss. They stole the better amount of my stimulus check through no fault of mine! Thank you for your attention in this matter once again.. 
Sincerely,
Product: Student loan

I signed up with Ameritech in XXXX of 2016, after receiving a letter in the mail. They told me for a fee they would enroll me in a payment plan based on my income for my federal loans. After ten years of being in the program they said all my federal loan debt would be forgiven and forgotten. I signed up for the program paying {$250.00} dollars for 6 months. After that it would be {$99.00} a month based on my income.

I remained in the program until a received a letter from the Federal Trade Commission saying Ameritech was lying and deceiving their customers. I called Ameritech to ask for a refund of my money. I was told by the person in customer service that the allegations against them were not true and they had already filed two lawsuits against the Federal Trade Commission. I told them I did not care and just wanted my money back. I was told at that time no refunds were going to be given back until after the court hearing.

I'm at a stand still right now with the whole process. I just want my money back so I can try to rebound in life and financially.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX I am writing to formally dispute the unauthorized sale and inaccurate reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit reports with Experian and XXXX. The account was sold without my consent, constituting a breach of privacy. Additionally, the reporting on this account is inconsistent and incorrect. I demand the immediate removal of this account from all credit reporting agencies and request a detailed investigation into these issues, as well as suitable compensation for the harm caused. 

Issues Identified 1. Unauthorized Sale of Account : The account was sold to a third party without my knowledge or consent, violating my privacy rights and the Fair Credit Reporting Act ( FCRA ). 
2. Inaccurate Reporting : Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Payment : Experian : Not reported XXXX : XX/XX/XXXX Payment Status : Experian : No status reported XXXX : Was 120 Days Late 7 Times, which is inaccurate and inconsistent with the accounts actual status. 

Violations and Impact The discrepancies in the reported dates, payment status, and the unauthorized sale of the account violate my rights under the FCRA and privacy laws. The incorrect information regarding the payment status, especially the claim of being 120 days late 7 times, is not only false but also damaging to my credit profile. The unauthorized sale of my account without my consent is a clear breach of privacy and has caused undue stress and potential financial harm. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inaccuracies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account without my consent constitutes a breach of my privacy rights, including the unauthorized disclosure and mishandling of sensitive information.
Product: Mortgage

Wells Fargo Home Mortgage 1 has yet tp provide my right thumb print as to California statue code as also anything dealing with real estate in the state of California Statue section code 8206 ( A ) ( 2 ) ( D ) & 1185 ( C ) ( 1 ) ( A ) - ( E ) appeared in person this are the California section code at the time I sign and in 2009 and current today
Product: Vehicle loan or lease

I cosigned for a used vehicle un XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who used Credit Acceptance Corporation after 1,2 or 3 months XXXX XXXX of not making the payment Credit Acceptance continued to allow them to get further behind until it was XXXX behind once the XXXX XXXX XXXX  was repossessed i retrieved the car & have not missed a single payment since however since then I have learned how they targeted a low income family by selling them a used car at a new car price they also have been charging an unfair interest rate late fees and they have also settled 3 class action law suits in New York Michigan & Missouri for the exact same reason they also charged XXXX to email paperwork from XXXX XXXX to Credit Acceptance Corporation bringing the financed price from XXXX to XXXX i would also like to add i never seen the car before signing however I honestly believe it was possible only worth XXXX or XXXX XXXX there is so much to say however i will stop here for the moment Thank You XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

It was in XX/XX/year> dollars mysteriously was gone out of my cash app account I thought my card was hacked so I ordered another card but the cash app support claimed they didn't see it so I said I guess I'm out of money wondering could yall help if not I just lost the money for good
Product: Mortgage

Our family decided to take the steps to purchase our first home through XXXX XXXX on XX/XX/2019. Our loan officer connected us to Prime Lending XXXX XXXX, DBA Highland Home Loans. MLS # XXXX After being pre approved on XX/XX/2019. We made an offer on XX/XX/2019 and it was accepted by the seller. We paid XXXX in earnest money and XXXX in option money to title Company ( XXXX XXXX ). Following this we paid XXXX for property inspection. We were intially given a close date of XX/XX/2019. XX/XX/XXXX, we were told that the underwriter needed a letter from us to remove dispute verbage on credit report which was recieved and accepted. XX/XX/2019 the loan officer requested a letter explaning student loans debt and letter for child support. Both letters were provided and accepted. Following these request we were advised that our loan needed to be reviewed by a senior underwriter. Additionally we were asked for bank statements on 3 separate occasions, after asking for the docs on the XX/XX/XXXX the realtor and and loan officer started telling us that the closing would be on the 8th now. On the same date of the 30th the loan officer came asking for 401k statements again to show reserves, we gave those then she told me on the XX/XX/XXXX that no answer was ready because the underwriter working my file the day before went home on an emergency. On the XX/XX/XXXX the loan officer contacted us and asked for check stubs for myself and and justification about my short term XXXX and for pic of my husbands college degrees??? She then contacted us a couple hours later saying that if I didnt return to work immediately then we could not close the loan. She then directed me to the realtor who told us that we could not get our Earnest money back and that we may be sued for breech on contract by the seller.