23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have attempted to rectify several charges with this company, and they do nothing to return my money. Now they close my account, and still have not given the stolen money back. They are a shady company that I have filed numerous disputes with, and they do nothing to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX aka XXXX XXXX In/ aka XXXX XXXX ) # XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Webster Bank ( Headquarters : XXXX, CT ) offered its mortgage customers a 3-month Covid-19 deferment, and I applied and was accepted for it on XXXX, with the term beginning on XXXX. The written terms clearly state that " Negative credit reporting is suspended until the end of the deferral period [ XXXX ] ''. 

Yet they immediately reported to XXXX on XXXX that the account is delinquent after only 30 days. 

I emailed them 3 times and called them twice, but they have not resolved the matter. 

They admitted on the phone that my account is properly flagged as " Not Delinquent, Do not report to the credit bureaus '', yet their systems reported it as delinquent anyway, and they have not returned my subsequent calls or emails. 

I would not have entered their deferral program if negative credit reporting was not suspended. I relied upon their promise and clear language to the contrary. 

The impact to me is that my XXXX credit score fell instantly from XXXX ( Excellent ) to XXXX ( Good ) based upon their negative report. This has adversely impacted my job search, my access to new credit, etc. 

Their email responses are clearly just " passing the buck '' around and no one with authority or managerial expertise has contacted me or shown me a clear path to rectifying their incorrect report, as of today XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have disputed information on my credit XXXX XXXX XXXX XXXX, yet XXXX still reports these items knowingly this item is in an identity theft report and I have not contracts with this company I would like it removed from my credit report
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 90 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Money transfers

On XX/XX/2015 I sent a moneygram of the amount of {$200.00} to an indivdual to XXXX XXXX XXXX XXXX.It was not received when the recipient informed me it was declined by Moneygram.After numerous calls to Moneygram to refund me the $ XXXX.they refused and told me they have to interrogate the recipient! I Also requested a refund on there web site after filling out the form i received a blank page and they. never notified my e-mail.
Product: Checking or savings account

My bank account was closed by TD bank, I had a mobile deposit of XXXX that was processing in my account and they originally thought it was a fraudulent check, I confirmed with the check issuer and they confirmed TD bank did take the money from the check. I have a screenshot of that from the leasing company who issued the check. TD is refusing to help or coroperate
Product: Checking or savings account

XX/XX/XXXX A fraudulent charge of {$1400.00} was noted on the debit card. On the same day, another charge for over {$2000.00} was denied because it pushed over the daily spending limit. This attempted charge no longer appears on my account. One charge in Texas ; the denied charge in Maryland. We live in North Carolina and have never been to these locations. Within an hour I froze my account and notified Wells Fargo Bank. I filed a fraud claim over the phone, and during the call I explained the entire situation. Within two days the money was returned to my account as provisional credit. 

After hearing nothing of the investigation, on XX/XX/XXXX I was notified that the investigation was closed and they would be taking the money back. In the denial letter, they stated that part of their reason for denial was due to me not providing them information they requested. This is false, as they never made an attempt to reach out for any additional information regarding the claim. 

I am a XXXX XXXX XXXXXXXX XXXX XXXX. My purchase history on the account is usually in considerably lower amounts and certainly not for home improvement items -- this alone should have caused the Bank to see this as fraud. The purchase was made by a merchant who entered the card number manually, and so there was no identification and no physical card for such a large transaction. The fact that a second attempted charge in yet a different state should have satisfied the investigation at Wells Fargo. 

XX/XX/XXXX After multiple conversations with multiple Fraud Team members at Wells Fargo, as well as attempting to meet with someone at a local Wells Fargo branch, I have no choice but to report the issue and ask for your help.
Product: Debt collection

In XX/XX/XXXX I was notified from Superior Court of New Jersey XXXX XXXX XXXX New Jersey for a credit card balance Docket DC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX was in collection agency XXXX XXXX XXXX XXXX XXXX. with Pressler & Pressler , L. L. P. P & P File XXXX it is Pressler & Pressler ( now Pressler , Felt & Warshaw , LLP ) file. I went to Superior Court in New Jersey, XXXX County to answered that lawsuit. Therefore, few years ago I called XXXX to set-up the account and pay monthly lower payments. But, XXXX XXXX XXXX told that did not had this account, because they sold to Pressler & Pressler for {$500.00}. Also, Pressler & Pressler harassments a customer from credit cards made business with bad manners to get wealth. Pressler & Pressler harassments me with calls and used the law for that propose. They hurt me in many manners, since they harassment me still doing. Yesterday XX/XX/XXXX, at XXXX a Sheriff from XXXX City knocked my door in my house. The Sheriff come to my home because Pressler & Pressler Now Pressler , Felt & Warshaw , LLP pay them a fee uses the Law their way for harassments made me with frighten me. The Sheriff told me, he is doing his job but for {$4600.00} Docket # XXXX XXXX. It is not right to came somebody home a made inventory about what I have in my home and take away someone needs. I believe that Pressler & Pressler ( Now Pressler , Felt & Warshaw , LLP ) This account is from XXXX, Has A statute of limitations is the limited period of time creditors or debt collectors have to file a lawsuit to recover a debt. It falls in the three to six years range, although in they need to show me that own that amount. and this is too old. So, I am not own nothing, Status of Limitation had already passed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account listed on my credit report that I believe to be fraudulent. The account in question is with XXXX XXXX, and the account number is XXXX. 

I have no knowledge of this account, nor have I ever opened or authorized it. I believe this account is the result of identity theft or fraud. As a result, I request that TransUnion remove the fraudulent account from my credit report. 

I have once again included a FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : 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 XXXXXXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Despite my multiple disputes and requests for a proper investigation, this account remains on my credit report without adequate verification or correction from Experian. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct a reasonable investigation into disputed accounts, yet the responses I have received thus far lack transparency and do not resolve the issue.This account doesn't belong to me and Experian is doing nothing about it. 

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

Due to a financial difficulty in late XXXX, I entered into a monthly payment agreement with XXXX XXXX for 8 months. XXXX XXXX agreed to allow me to pay a lower monthly amount for 8 months to help alleviate the financial difficulty. I paid every month automatically on time, and then proceeded to pay off the entire balance of my card in XXXX of XXXX. 

I made on time payments from XX/XX/XXXX to XX/XX/XXXX. Instead, XXXX XXXX recorded this period as late payments on my account, even though I was paying the minimum amount XXXX and myself agreed to. This is inaccurately reported on my XXXX, TransUnion, and XXXX credit scores. I have disputed this item several times, and XXXX XXXX does not even have their own records of my payment history. When I call them, they can't even find the account, and it's closed. If they have no record, this should be removed from all credit reports immediately, as it has caused enormous prolonged financial inequity to me and my family, with an unreasonable interest on our home mortgage.
Product: Vehicle loan or lease

My car was repossesed after a Hit and Run accident XX/XX/2021. The car was sold for XXXX dollars. Not even a portion of what the car was actually worth, due to the fact the damage strictly in front of the car and the engine had less than XXXX XXXX miles on it.
Product: Credit reporting or other personal consumer reports

I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my XXXX health.
Product: Mortgage

I have repeatedly ( over three times ) asked for an accounting of how the new escrow charges assessed by the company ( HomePoint ) were calculated because they did not match the actual taxes and insurance amounts that are readily knowable ( even with a cushion ). As a result, I repeatedly asked the company to cease collecting insurance and tax amounts via escrow, and we will make payments to the insurance company and the taxing authorities ourselves. After repeatedly ignored emails, I warned them that I would complain if they did not respond. They have again failed to respond.
Product: Mortgage

We fell behinde in our mortgage due to my husbands injury he became XXXX Ive been trying for years to get help from XXXX  XXXX XXXX witch was our bank. Now it is carrington Ive wasted countless dollars on modification companys an attorneys fees that promised they can help me now in the mist of ll that I XXXX XXXX was diagnosed with XXXX XXXX an also XXXX XXXX XXXX XXXX it has been nothing but a emotional roller coaster an financial as well I need help carrington saying I have no options left. I also believe that when we refinanced from an adjustable rate into fixed I feel I was sold a predatory loan for sure my name is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that information on my report is being reported inaccurately. I have XXXX  accounts on my report in good standing and all over a year old. I paid off my car loan with XXXX XXXX XXXX, and it is no longer being reported on my report, yet there are nine paid accounts shown as potentially negative. It appears there is one collection account that I have disputed. I certainly do not understand the credit scoring process as it relates to my credit report. It seems that I am not receiving the correct scoring that should be a much higher score. I have been in good standing for over three years or more, and my score is fair. I don't have a lot of inquiries. I explain to the agency the information that I have can verify something on my report is inaccurate, and they still don't update the information correctly. Yet, they take the word of the creditor. It appears to me that there is a slight bias going on here. I do not like to call the race card, but I am concerned when I look at my report and have never been late, and I prove it, and it still isn't removed. Enough is enough. I am demanding that this matter be resolved immediately.
Product: Debt collection

I never signed a HIPPA release form with the alleged creditor or received an initial demand letter or validation of debt. This is a violation and has been forwarded to my attorney. HIPPA laws protect my personal info from being used w/o my consent.
Product: Debt collection

XXXX XXXX ( {$1000.00} ) XXXX  ( {$1700.00} ) Inquiry : XXXX XXXX XXXX accounts are not mines. I did not authorized these accounts. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made telephone calls to the 3 credit bureaus to update my credit reports to update and verify the chapter XXXX bankruptcy on my credit report due to the new law on public records starting XXXX XXXX 2017, public record data collected for credit reporting purposes including bankruptcies, civil judgements  and tax liens must contain minimum identifying information. they could not tell me how they verified the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXXXXXX XXXX XXXX Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Debt collection

On XX/XX/XXXX I received in the mail a letter from midland credit which mentioned legal action could be the next step multiple times. This is the second letter I have received from this company, the other one was very vague and looked like a scam. 

This letter received yesterday, was dated XX/XX/XXXX. It does not have a postmark on it and was delivered on XX/XX/XXXX. It demands a reply or payment by XX/XX/XXXX. 
I receive delivery notifications by USPS through my email and have attached that notification in which an image of the envelope was shown in an upcoming mail delivery preview for XX/XX/XXXX. 

I believe this company is engaging in tactics that violate my rights. I have still not received a validation letter in the mail after initially requesting one months ago after receiving one letter with limited information from this company. 
I am again requesting debt validation by mail today and have attached those documents.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXXXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XXXX XXXX XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/XXXX DEPT OF ED Date of Inquiry XX/XX/XXXX
Product: Debt collection

I received a call from the ticket, payment plan place today and Because I got a new bank and my card was declining as I explained to them and I was asking the lady why she was being rude to me on the phone. The amount that she gave me did that include all of my current tickets, so I can make sure that all my tickets are being paid And the lady lied to me and told me that it did include all of my tickets and that I only owe I believe the balance was {$320.00}. When I looked while she was on the phone at the XXXX ticket payment website I saw that it was a substantial amount of other tickets even to the point of having XXXX notices on them and I was trying to ask her if my payment plan was going to include those tickets or not and she got an attitude with me telling me that she didnt have time to sit on the phone with me while Im online looking at tickets and she was pretty much just there to take Payment so she got cussed out and hung up on. This is the second agent from this company that has lied to me and purposely misrepresented tickets and amounts that couldve had my vehicle sees the First representative XXXX from this company lied and told me that I didnt have to pay the tickets that were in Bankruptcy which was not true. I still have to pay those tickets so he lied and then this lady came in and lied because she said the XXXX included all of my tickets and my current tickets and that was not true either so I think that the phone calls should be reviewed And investigated because for this to be a company thats employed through or contracted through the city of XXXX for traffic ticket debt collection for them to sit up here misrepresent terms, and amount that is consumer fraud, and the phone calls should be recorded. So I still was not able to, in conclusion reset up my payment plan, or reestablish it because once again, the company is lying and committed consumer fraud by misrepresented the terms and amounts of what is owed. This is about XXXX XXXX  today that the lady called me on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves XXXX, TU and XXXX. The case about debt collection with XXXX XXXX XXXX is in court. The judge dismissed the request for a summary hearing. Yet for the past year these 3 credit report bureaus have been affecting my scores by reporting it as a collections I owe. I dont know if they are higher than the law or the courts in the land. I sent them a copy of the judgement and they still did nothing about it. XXXX did not even bother to respond.