23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint to address an unlawful wage garnishment initiated by Eagle Finance through the XXXX XXXX XXXX XXXX in XXXX, XXXX, which is currently affecting my wages as a resident of XXXX. 

Under XXXX  law, specifically Article 16, Section 28 of the XXXX  Constitution, No current wages for personal service shall ever be subject to garnishment, except for the enforcement of court-ordered : ( 1 ) child support payments; or ( 2 ) spousal maintenance. This legal protection is reinforced by XXXX  Civil Practice and Remedies Code 63.004, which limits wage garnishment to these specific obligations. Since this garnishment does not fall within those exceptions, it is unlawful in my state of residence. 

Additionally, I believe this garnishment order represents a jurisdictional overreach, as the XXXX XXXX XXXX XXXX in Indiana does not have the authority to enforce a wage garnishment against me while I reside and work in XXXX, where my wages are protected. 

I have made multiple attempts to resolve this issue directly : I contacted the XXXX XXXX XXXX XXXX to dispute the garnishment, but I have been unable to reach anyone for resolution. 
I reached out to the law firm that filed the lawsuit on behalf of Eagle Finance and obtained the garnishment order through the XXXX XXXX XXXX XXXX. I have received no response to my inquiries. 
I also contacted the XXXX Payroll Garnishment Customer Support line, which confirmed the garnishment but was unable to stop the automatic payroll deductions. 

I was never served any paperwork regarding this lawsuit or garnishment. The only notification I received was an email from XXXX on XX/XX/XXXX, informing me of the garnishment order, with funds automatically removed from my account as of the XX/XX/XXXX payroll. I was given no opportunity to contest or dispute this garnishment before my wages were withheld. 

Supporting Documentation : Please see the attached screenshots of the XXXX communication regarding the garnishment amount and the total funds unlawfully withdrawn from my wages so far. 
Ive also attached correspondence with my employers payroll department concerning this unlawful wage garnishment. 
Additionally, Ive included copies of the letters Ive sent to each entity as listed above in my attempts to resolve this matter. 

Desired Resolution : Immediate cessation of the unlawful wage garnishment. Refund of any wages that have been improperly withheld. Assurance th
at Eagle Finance and any affiliated collection agencies comply with XXXX  and federal law regarding wage garnishment. 

I am requesting that the CFPB investigate this matter, hold Eagle Finance accountable for violating my consumer rights, and provide clear direction on how to resolve this issue without further financial harm. 

Thank you for your time and attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Mortgage

In late XXXX my husband and I started researching for the best bank to apply for a HELOC as we are building onto our property and construction would soon be starting. I contacted several banks so I could make an informed decision as to what bank would be our best fit. We decided to move forward with PNC and apply online on XX/XX/XXXX, this was after I spoke with a PNC representative ( XX/XX/XXXX) who provided me their current loan term information which included information surrounding loan to value ( LTV ) percentages. On XX/XX/XXXX the representative clearly advised and confirmed that their HELOC product would go up to 89.9 % LTV during our conversation.This information was why we decided to continue the process with PNC, as all other banks I researched and spoke with only offered up to 84.9 % LTV, and this was the flexibility we were looking for. Fast forward almost a month later when we received our approval letter. The counteroffer approval came much lower than what we were expecting. I phoned PNC and they advised the loan could only go up to 84.9 % LTV. I requested to speak to a supervisor and I did have one call me back the following day. She advised they could not honor the 89.9 % LTV originally stated. There was also nothing they could offer even with the misinformation I was provided as the Bank 's LTV procedures were updated in early XXXX. She also said there is no guarantee the call was recorded and if it was recorded there was no way to look up this call if I didn't know the name of the representative. This approach of a bank is very irresponsible if all calls are not recorded on calls that representatives are quoting terms and rates of current products. When assessing the possibility of a UDAAP this certainly his the deceptive element which seems to be a clear bait and switch tactic. The timely process of a HELOC application and the original misinformation is provided to be a material impact on our financial situation which could have all been avoided if the accurate information was originally provided. We now have no choice to go elsewhere due to the length of time this process takes and the potential impact these inquires made to our Credit Bureaus. My husband and I will end up accepting the offer and possibly have to get an additional loan.
Product: Credit reporting or other personal consumer reports

I was advised by a TransUnion rep to fill out this report because of unauthorized inquiries in my report, please remove all these Unauthorized inquiries on my report. 

1. Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Bank Name XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. Bank Name : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Bank Name : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Bank Name : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to get pre-approved for a home loan, and on XX/XX/XXXX I was told that the lender was unable to get my credit score from Equifax ( XXXX and XXXX had my score available with no issues ). I called them and emailed them and was eventually told to fax them documents with my information which after some difficulty with their fax system I faxed them the requested documents along with a cover letter on XX/XX/XXXX. I emailed and called them later when I didn't hear from them and they told me to contact my credit card company. I contacted my credit card company and asked them to look into it and I found out about a month later that Equifax needed some documents from me. So I called Equifax again and faxed my documents again with a new cover letter on XX/XX/XXXX. I called them repeatedly to see if they had received my fax but as of today, XX/XX/XXXX, nothing has changed even though they said it would take 5 to 7 days. Their only suggestion was to wait 30 days for a response that I really don't believe will ever arrive.
Product: Mortgage

PHH mortgage knowingly and willfully closed on a loan involving the wrong amount of money and owes me {$2000.00}. At the time they closed on the loan they knew their numbers were wrong and failed to correct them and reimburse me the correct amount of money. Thus I believe this also constitutes criminal financial fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  please delete hard inquires
Product: Money transfer, virtual currency, or money service

Our home in Missouri was flooded on XX/XX/XXXX of this year. 
We received a {$3000.00} and {$20000.00} advance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We endorsed both checks and deposited them at a local Chase branch in XXXX, MO. 
Their fraud department flagged the checks for improper endorsement. 
I screwed up on the {$20000.00} check as it was supposed to be endorsed by my mortgage company. 
Instead of returning the check for improper endorsement they froze my account and insisted that my mortgage company stop by a chase branch and endorse the check ; it doesn't work that way. 
They refuse to return the funds to XXXX XXXX XXXX 
I have gone up the chase ladder as far as I can with no resolution. 
This is taxpayer money that they have confiscated and we could use some help as we need to rebuild our home. 
Can you help or put me in touch with someone who can? 

Thank you. 

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

XXXX is reporting false, inaccurate, and incomplete information on my credit report which is negatively impacting my life! Please see the following accounts in question : XXXX ) XXXX Does not have a creditor or explanation on account Balance : {$68.00} Date opened : XX/XX/XXXX XXXX ) XXXX Does not have creditor or explanation of account Balance : {$890.00} Date opened : XX/XX/XXXX XXXX ) XXXX Does not have a creditor or explanation on account Balance : {$0.00} Date opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  XXXX : this is not an account I opened and should not be on my report! 
Account number : XXXX Balance : {$24.00} Date opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX : this is not an account I opened and should not be on my report! 
Acct number : XXXX XXXX : {$15000.00} Date opened : XX/XX/XXXX
Product: Debt collection

They constantly call 12 times or more in one day. Once is understandable but 12 times on a Saturday and Sunday is aggressive and on the weekdays they call at least 25 times a day.
Product: Vehicle loan or lease

I purchased a car because my XXXX XXXX engine blew up and the man who helped me finance the car wanted to be off the loan. I had finally got my credit score up since I am a survivor of XXXX and XXXX XXXX and was unable to finance previously. I let the dealership understand my position regarding this. It was very important to me to rebuild my credit and to make payments on time. 

The Dealership told me the wrong information regarding when payments were due. I have gone to Toyota Finacial and they said they can do nothing that I will have to go to the dealership and work it out with them. I have gone to XXXX of XXXX, TX and tried to get assistance regarding this issue. Prior to payments being made I went to the dealership to find out when they were due. Nothing was given to me other than a .com for Toyota Financial. Nothing more, no papers of when payment was due and where to make the payments. I have called the dealership repeatedly and left messages for the director of Finance to please contact me back and fix this. I have gone to the dealership where I waited for 1.5 hours to speak to someone only to be sent home. This problem is not getting fixed.

Tomorrow I plan on going to the dealership to please get assistance to fix this problem. Because of their error it has affected my credit score dropping 122 points. I AM A SURVIVOR OF XXXX AND XXXX XXXX I am trying to rebuild my life and my credit this has not helped. 

The reason why I agreed to this loan was because after 6 payments on time I would be able to go back to the dealership and my payments would go from {$350.00} to {$150.00} and the most of that payment will go to paying off the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that I want validated according to my rights and I have accounts that are non compliant that need to be deleted because there is no name of the creditor on them and accounts that say charge and or late which are not true
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX, XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 9. The followng information is incorect XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXXXXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my second complaint through CFPB for the removal of a released tax lien on my report. The first response I received said it simply updated the status to " released '' and it still violates the new NCAP rule. I have submitted a dispute through Equifax and have not been able to retrieve the results but am certain that it has not been resolved to my or NCAP 's rules as it has not been removed from the report. 
I sent the following documents to Equifax for my dispute with them earlier in the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

CENTRAL PORTFOLIO CONT Has an account on credit file that isnt mine. I have never had any dealings with this company and this fraudulent account is a violation of the FCRPA for a multitude of reasons. Ill start with identity thief I never gave this company access to my information yet they have it. Next they havent validated the debt that they put on my credit report which is Detrimental to my Financial well-being. I repeat I havent had dealings with this company and Ill be sending a consumer damages invoice.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed information regarding inquiries to be in error. I have no knowledge of reported inquiries and have not granted access or authority to my credit report.
Product: Mortgage

I was making extra payments on my Home Loan with Rushmoore on their web site. I made a payment in XX/XX/2018 that my Bank ( XXXX XXXX XXXX ) provided me with a withdrawl fax, clearly showing that Rushmoore had taken the money out. I provided Rushmoore with the certified letter from my bank via FAX to the Consumer Affairs department. I have spoken with 4 customer service reps, and a manager called " XXXX '', each time they tell me its be " expedited '' and they are working on it. Its been 3 weeks, no return phone calls as promised and no response, as they dont have email???? I am actually a month ahead on my loan, but not according to Rushmoore and i cant get an answer. I feel like i am calling XXXX when i call. Please help.
Product: Credit card

On XXXX a fraudulent transaction occurred for the amount of {$880.00} on my credit card at XXXX # XXXX, XXXX, FL. I was notified by XXXX XXXX Statement ( XXXX ) in my XXXX XXXX, XXXX statement advised them. On XXXX I was advised by XXXX the charge had been denied and had spoken with a XXXX. On XXXX. XXXX my XXXX statement arrived with the aforementioned charge still on the account plus fees and interest charges, totaling {$930.00}. XXXX XXXX, XXXX XXXX email advised a minimum payment of {$56.00} was due on card XXXX. XXXX XXXX. XXXX I contacted XXXX XXXX, XXXX, and she advised Case # XXXX was assigned by the Fraud Dept. 
My XXXX XXXX, statement arrived with a balance of XXXX, credit of {$890.00}, a fee charge of {$2.00} and {$40.00} balance remaining. Called XXXX and the advised not to pay. XXXX XXXX, XXXX statement is {$40.00} balance, fees charged {$29.00}, balance {$69.00}. XXXX XXXX, statement same data. XXXX XXXX statement balance {$69.00}, {$29.00} credit, Fees charged {$54.00}, balance {$94.00}. Called XXXX XXXX XXXX, XXXX, to XXXX, concerning balance now at {$13.00} and would be removed by Monday. Other contacts XXXX XXXX, XXXX, XXXX ( phonetic ), ID, XXXX, and advised account would be cleared as well as the XXXX credit bureau. XXXX XXXX, XXXX sponke to XXXX, ID XXXX and she advised account would be cleared and the credit bureaus. Apr XXXX, XXXX XXXX ID # XXXX, XXXX balance will be indicated on account. XXXX XXXX, XXXX statement recieved balance of {$94.00} and on thier web site. XXXX XXXX, FICO score of XXXX, XXXX, XXXX reduced to XXXX in XXXX XXXX. So far XXXX has not corrected this problem and I have detailed documents of all statement. XXXX has charged meet {$15.00} to XXXX replacements card that I did not order express shipping which adds insult to injury with company.
Product: Credit card or prepaid card

My XXXX  credit report received a hard inquiry on XX/XX/2020 from : CITIBANK NA., BEST BUY Address : CITIBANK NA., BEST BUY, XXXX XXXX XXXX XXXX, XXXX XXXX , SD    XXXX I did not apply for a BestBuy credit card and believe a fraudulent application was made using my information. The BestBuy Citicard number : XXXX is not helpful. There is an automated system that requires either an account number or social security number. I do not have an account number and the account has not been opened yet so my social is not in their system. The automated system will not let you speak to a human representative under any circumstances I have tried numerous times. When I call the general Citi credit card number they always state they are unable to help and transfer me to the previously stated BestBuy number. I have filed a dispute with XXXX  and the determination of that dispute was the the inquiry was factual and if it was made fraudulently I would need to contact the same BestBuy/Citi number where I am unable to reach a person.
Product: Debt collection

Formal Complaint Against Source Receivables Management for Violations of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Identity Theft and Assumption Deterrence Act, and Potential Criminal Liability The undersigned, XXXXXXXX XXXX XXXXXXXX, hereby submits this formal complaint against Source Receivables Management ( " SRM '' ) for multiple violations of federal law stemming from the false reporting of a debt collection in the amount of {$10000.00}, associated with account number XXXX, to consumer reporting agencies XXXX and XXXX. 

Statement of Facts SRM has reported the aforementioned debt collection on XXXX XXXX 's credit reports despite his submission of a Federal Trade Commission ( FTC ) Identity Theft Affidavit attesting that the debt in question is the result of identity theft and thus fraudulent. 

Legal Violations SRM 's conduct in this matter constitutes a clear violation of the following federal statutes : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : Specifically, SRM has violated 15 U.S.C. 1681e ( b ) by failing to follow reasonable procedures to assure maximum possible accuracy of reported information, and 15 U.S.C. 1681c-2 by furnishing information that it knew or should have known to be inaccurate. 

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : SRM 's actions constitute false, deceptive, or misleading representations in connection with the collection of a debt, in violation of 15 U.S.C. 1692e. 

The Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 : SRM 's conduct, insofar as it involves the knowing use of false identification or misrepresentation of fraudulent debt as valid, may implicate criminal liability under this Act. 

Potential Criminal Liability In addition to the above violations, SRM 's actions may also expose them to potential criminal liability under the following statutes : 18 U.S.C. 471 : Forgery of obligations or securities of the United States. 
18 U.S.C. 472 : Uttering or possessing counterfeit obligations or securities.

18 U.S.C. 473 : Dealing in counterfeit obligations or securities.

18 U.S.C. 1001 : Making false statements to a government agency ( if applicable ).

18 U.S.C. 1343 : Wire fraud ( if electronic communications were used to further the scheme ). 
Damages As a direct result of SRM 's unlawful actions, XXXX XXXX has suffered substantial harm, including but not limited to a significant decrease in his credit score, an inability to obtain credit or loans, and severe emotional distress. 

Relief Sought XXXX XXXX demands that SRM immediately cease and desist from all collection efforts related to the aforementioned debt, remove the fraudulent debt from his credit reports with XXXX and XXXX, and compensate him for all damages incurred as a result of their unlawful conduct. 

Failure to comply with these demands will result in the initiation of legal proceedings to enforce XXXX XXXX 's rights under the FCRA, FDCPA, and any other applicable laws, including potential criminal charges. 

Respectfully submitted, XXXX XXXX. XXXX
Product: Credit card or prepaid card

Apparently, my XXXX XXXX XXXX issued by Synchrony has been over the credit limit since XX/XX/2018. I had signed up for alerts via email and text yet was never alerted and my account was not blocked. I continued to make payments to the account and to make purchases using the account even though it was over the credit limit. I was finally able to get the alerts today after trying to set them up again for the 8th time. I spoke with customer service and they were no help with this issue. I explained that I had concerns about the fact that the account had been overdrawn for such a long time but not one alert or notice was sent to me. Lenders have responsibilities just the same as borrowers and should be held accountable. This has made the amount of money due to the interest increase on my account. Synchrony informed me that they do not lower their interest rates and that all their customers pay the same rate. XXXX consumers with exorbitant interest rates should never be allowed. I do not believe that statement and feel that the company is having customer service reps lie to clients.
Product: Mortgage

Select Port Folio sent me the Assumption and Modification Agreement for me to sign. The mortgage is payment is fixed for 75 months and then the balance of the mortgage has to be paid in full. I need a fixed mortgage payment for the term of the loan. This mortgage payment is setting me up to lose my home. The escrows are incorrect because I have my own Homeowner insurance and the mortgage company has put forced placed insurance n the house please fix my escrow account so my mortgage payment will be correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan through XXXX XXXX for a XXXX XXXX XXXX. This loan originated on XX/XX/XXXX and was paid every time on time until the vehicle was totaled in XXXX of XXXX. The finance company erroneously reported my loan as being late for 3 consecutive months after the vehicle was fully paid off by my insurance company XXXX. I have contacted them directly several times about the incorrect late payment status & it has never been updated on any of my three credit reports. Thus has caused me irreparable damage to my credit score and overall harm to my credit profile. At this time I have no other option other than to ask for government assistance. From my attached screenshot of this item on my credit file you will see it has been disputed prior and I have a consumer statement saying that I disagree with the results.