23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Management Services , Inc. of XXXX XXXX XXXX, XXXX XXXX, Nebraska XXXX and attorneys for Credit Management Services : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX have served a non-earnings garnishment upon me, in the District Court of XXXX County, Kansas. Case No. XXXXXXXX XXXX XXXXXXXX. 

This limited action pursuit by the judgement creditor, Credit Management Services, has resulted in two garnishment occurrences, totaling over {$1200.00} and an automatic closing of my account # XXXX, by the garnishee, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Kansas XXXX. 

A letter in response to this non-earnings garnishment judgement communication was sent to Credit Management Services Inc. and received on XX/XX/2021 ( USPS CREDIT MGMT TRACKING # XXXX XXXX XXXX XXXX XXXX received by Credit Management Services on XX/XX/2021 ).

This letter to the judgement creditor was an earnest attempt to discover the validity of this debt and if valid, the possibility of settling the debt. 
Specifically, the letter requested : 1. The name and address of the original creditor, the account number and the original amount owed.

2. Verification that there is a valid basis for claiming that I am required to pay the current amount owed, and if applicable, how the original amount owed is different than the current amount owed, at the time of the non-earnings garnishment.

3. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization of this interest ; the date the original creditor claims this debt became delinquent.

4. Please also note whether this debt is within the statute of limitations and how that was determined.
5. Please also forward details about you and or your agents/attorneys authority to collect this debt : whether you are licensed in my state and if so provide the the date of the license, name on the license, license number and the license number, name, address and telephone number of the state agency issuing the license. If you are contacting me from outside the state of Kansas, provide the all the same licensing information from your state as well.

As of today, Credit Management Services Inc. and or their agents/attorneys, has not responded to my request.
Product: Checking or savings account

Capitol One Bank has not deposit my direct deposit as of yesterday. I have early deposit and nothing has been deposit as of today Friday, XX/XX/XXXX at XXXX. I called customer services and the line hang ups on you.
Product: Mortgage

Rushmore Loan Servicer as of XX/XX/2020 has 1. stopped sending monthly statements, 2. refused to speak on the phone with us regarding the missing statements and 3. regarding our modification application. Rushmore, even though is our Servicer, said we must only speak with their attorneys XXXX, XXXX XXXX XXXX. We refuse to speak with any adversaries at a law firm and demand the Servicer, Rushmore, speak with us the customer and provide monthly statements as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX  XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX : {$510.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX Balance : {$20.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL 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 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  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I went to sun trust bank with my tax refund check to open an account the keep the check after few days I recieve a note that the check is on hold and the close the account because I don't qualify. my question is why they still keep my check I'm NOT costumer of sun trust I need my money that is my kids money again if I don't qualify to open account why sun trust bank still hold my check. this is not professional.
Product: Debt collection

This company does not respect the consumer law. I filed a complaint with the CFPB on nationwide capital services llc. They did not respond within 5 days of me asking for validation of debt. They have not send proper validation of an alleged debt. I disputed and challenged there validation of debt. They continued to report on may consumer report after i dispute the validity of the alleged debt. And now they are attacking my XXXX consumer report after attacking my transunion consumer report first. I Disputed threw certified mail with in 30days. They did not give me 30 days to investigate before reporting to another CRA. This is a formal dispute of validation.
Product: Debt collection

On XXXX Navient contacted not only my employer XXXX XXXX, but contacted an individual store regarding collecting my debt. This is highly embarrassing and they were abusive to the store associate they got in contact with. They shared my personal information regarding debt owed with my company.
Product: Payday loan, title loan, personal loan, or advance loan

I was on auto pay to pay the loan. I made my monthly payments bi-weekly and they still deducted my whole monthly payment on auto pay. I canceled my auto pay and they upped the interest and fixed the payment option to only monthly payment or other payment. I can not pay any additional monthly payment unless it states a monthly payment is due so it forces me to pay other so I will never appear to be months ahead of my payments. The company said they can not accept bi-weekly payments and they have the right to increase the interest rate when I canceled the auto pay and I can not receive the initial lower rate if I decide to go back to auto pay. My goal is to pay this loan off early with bi-weekly payments.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I payed for XXXX XXXXXXXX later on XXXX their still reporting late payments amounts Santander consumer My car was wrecked in XXXX of XXXX I have given the insurance company full coverage of this vehicle its no longer in my possession
Product: Debt collection

Barclay Bank Card has systematically lowered my credit limit causing my debt to available credit limit to raise. Thereby causing my credit score to be lowered duty what appears to be over the limit charging. 

I contacted Barclay Bank who transferred me to their debt risk contractor. I explained to the contractor that although my accounts outside of Barclay were indeed carrying high balances. I have never missed a payment to Barclay ; nor any of my other creditors. 

Barclay has continued the lower my credit limit actions without my never missing a payment.
Product: Debt collection

Received a statement with a {$1100.00} balance owed from some ficticious company that turned over account to them ... there is no such account for which I owe
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX, and I am a creditor of the bankrupt XXXX exchange. I opened my Coinbase account in XX/XX/year> and completed identity verification on the same day. However, my ID was not immediately approved, and I remained in pending status for months, only getting verified in XX/XX/year>. During this time, the price of XXXX dropped significantly, and I suffered a loss of approximately {$100.00} due to the delay. 

Had my account been verified in XXXX, I would have been able to withdraw my funds when the price of XXXX was around {$70000.00}. However, my account was approved in XXXX, at which point the price of XXXX had dropped to {$57000.00}. I would like to know the reason for this delay and inquire whether my financial losses can be compensated. 

Please review this situation and kindly provide a response. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies present in my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} The account labeled as XXXX XXXX XXXXXXXX with Date Opened : XX/XX/XXXX has been inaccurately reported with a Balance of {$180.00}. I believe the correct balance is lower. Moreover, the Past Due amount should not be presented for this closed and charged-off account. I request that this account be marked as disputed while I work on resolving the discrepancy. Furthermore, I require verification of Date Opened, Date of Status, and First Reported. 
Account Identifier : XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} The account labeled as XXXX  with Date Opened : XX/XX/XXXX and a Balance of {$1300.00} is inaccurately reported with a balance higher than what I recall. As this account has been presented as closed, the Past Due amount should not be provided. I recommend addressing this misleading data directly with the creditor. I intend to take necessary action, but I request that Equifax mark this account as disputed in the meantime. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account labeled as XXXX  with Date Opened : XX/XX/XXXX and a Balance of {$0.00} has inaccurately been reported as never late. I kindly request that Equifax correct this information to accurately reflect that the account was never late.
Product: Checking or savings account

On XX/XX/2018 I went to deposit cash into an atm in XXXX, PA. 
It kept spitting out bills and would not take them. Because of this error of the bank, I received 2 overdraft fees. My close relative was in the hospital, and I could not get to the atm by XXXX, but this was an emergency situation. I at least wanted to have the full deposit in there asap of {$650.00}. 

I have had multiple problems with their atms, at many of the branches. 
I want these fees reversed, I am going through a major turmoil with my family right now and do not need aggrivation!
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a XXXX XXXX l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Checking or savings account

I'm reaching out regarding the Checking account i have at Truist Bank. Truist bank accessed several Overdraft fees on my account and took my account negative. Even after my account became negative due to all these fees. Instead of declining they accessed more fees. Year to Date from XX/XX/2022 till XX/XX/2022 they charged approximately XXXX XXXX I tried reaching out to their customer service several times and they are not helping to resolve the issue. I atatched all my statements and we can see all the overdraft fees charged every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX, and REPUBLIC FINANCE LLC/L. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and REPUBLIC FINANCE LLC/L with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I requested a copy of my credit report from all three credit bureau and at first glance, I notice an account that wasn't mined. I did some deeper research found out that some individual had somehow got my info and used it to buy a dog at a pet shop, without on permission. I wrote disputes letters to all three of the credit bureau XXXX, Equifax, and XXXX. they keep writing back account XXXX was verified, I even contacted the finance company that provided the finance to the pet company. they sent me a copy of the original contract, which was fraudulent, they also said the item should be deleted off my credit report. Sent all three bureau proof of the fraudulent contracted, but still, they would not remove the item off my report.
Product: Checking or savings account

Around XX/XX/2023 a check in the amount of {$20000.00} was deposited via ATM and credited to my daughter 's checking account. ( I'm a signer on the account ) This transaction occurred in XXXX XXXX, we were XXXX miles away at our home. Three days later 3 separate withdrawals totaling {$3700.00} were withdrawn via XXXX. On the same day the bank realized the {$20000.00} check was fraudulent and debited the account causing it to be overdrawn. None of these transactions were done by my daughter or myself. Her accounts were hacked. I called the bank and alerted them. I was told that because her p i n was used the transactions were considered legitimate. XXXX was also contacted with no resolution.
Product: Credit reporting or other personal consumer reports

15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete.15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identify theft Instruction : as a consumer by law this account must be deleted immediately this account is inaccurate or pay fine of {$1000.00} per violaition none of the accounts or inquiries attached are mine - please removed this. this is affecting me and i have a XXXX XXXX and dont deserve for my credit to be reporting incorrectly.
Product: Debt collection

On XX/XX/XXXX at XXXX, I contacted XXXX to let them know the debt was NOT mine and that the debt had been closed out with another creditor XXXX on XX/XX/XXXX because the validly of this debt was not proven.I told XXXX they could contact my lawyer and the debt was not mine. I provided their contact information to XXXX on a RECORDED line. 
Today XX/XX/XXXX they have contacted me AGAIN via mail after I gave them my lawyers information and disputed the debt on a recorded line. I called them and told them this debt was not mine and I have already given this information on XX/XX/XXXX and if they contact me again Ill file suit against them. This debt was researched and already closed with another creditor on XX/XX/XXXX. This debt was purchased by XXXX AFTER XXXX group had to close it out.
Product: Credit card or prepaid card

I have had the USAA Visa Credit Card for more than 20 years. I have been a USAA member since XXXX. I have had a fixed APR of 9.90 % for many, many years with statements to prove this. I noticed that my monthly minimum payment jumped very high and I looked into it. The last statement I have with a 9.90 % APR was XX/XX/XXXX. I am now paying 14.15 %. I have always had fixed credit rates and could not find any notices from USAA that they were converting my credit card to a variable rate. We used this card to pay for some remodeling after our XXXX XXXX stole money from us and we had to pay for items a different way. I called USAA on XX/XX/XXXX @ XXXX and spoke with XXXX -- employee ID # XXXX -- who tried to find any notices of APR change. XXXX looked back past XXXX and could not find any notices of APR change. I asked him if USAA would fix this APR since I have never received a legal notice of change, and he stated that unfortunately they would not. I believe that this was unfair, and illegal business practices since I was never given a notice and it was confirmed by USAA employee when even he could not find that a notice was ever given. This will greatly hurt our chances of paying back the large debt due to over 4.25 % increase -- and increasing further. Thank you for any help that you can provide us. Sincerely, XXXX XXXX XXXX, XXXX.
Product: Debt collection

RISE Credit of XXXX XXXX, TX ; fraudulently opened an internet account in my name. I did not apply for, nor did I participate in the proceeds of this fraudulently obtained loan. In seeming violation of Federal CIP standards, RISE Credit did not obtain a picture ID nor the copy of any complete, official ID document before they made the loan. This incomplete investigation has now resulted in the fraudulent loan in my name. The driver 's license number they did obtain was not my license number and they failed to obtain the issue date and the expiration date thereof anyway. For all I know, they may have absconded with these funds themselves and are foisting this loan off on me to cover their financing of XXXX or XXXX. 
RISE Credit did not attempt to contact me in writing, concerning this account before they started their " blind '' robo-calls. The email account RISE Credit stated was given in support of this credit application was not my email address and they failed to validate this information prior to disbursing the funds they claim were given to me. RISE Credit evidently relied solely on personal information freely available to anybody through a XXXX or similar search. I had my husband spend over an hour tonight speaking with RISE Credit on my behalf and am now being forced to take time away from my professional practice to " defend '' myself against a fraudulent account opened in my name because of their shoddy CIP practices and incomplete investigation. 
This situation is causing me great angst and anguish, not to mention lost billing from my professional occupation as I now take time to comply with all their unreasonable demands. RISE Credit seems to exhibit an overly cavalier approach to the federally mandated Customer Identification Protocols. I demanded that they close that loan, remove my good name and insure the credit reporting agencies have removed the disreputable name of RISE Credit from my record lest other legitimate entities find that squalid moniker on my good credit record. They have been placed on official notice that this account was obtained by fraudulent means. 
In support of performing the onerous tasks they demand be undertaken by an innocent fraud victim before they acknowledge the obvious, I have requested they immediately remit copies of all credit application data, credit reports obtained, proof of all identification attempts made, all checking account information where the loan funds were disbursed, and all records of their contact with the real applicant. I also requested they provide and explain the relationship of the agents or proxies used to obtain my credit information without my consent or any proof of permissible use, in direct violation of the Fair Credit Reporting act.
Product: Debt collection

Medical Validation Letter with request for HIPAA authorization Phoenix Financial Serv Acct # XXXX To Whom It May Concern : On XX/XX/XXXX i recieved notification from credit bureau stating a collection on report that I was not a ware of. I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX  XXXX, but I have not received any letters for alleged debt. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to for anyone to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide a breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back by mail. 

Sincerely, XXXX XXXX XXXX