23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I was notified via my bank ( XXXX XXXX XXXX XXXX ) that my wages were being garnished. I was informed that they received documents from Midland and I thought it was strange because I have not received any notification about payment, settlement, or anything before this. My bank provided me with a number to call and the case number. When I called XXXX they would not provide me with any information without me verifying my identity, I questioned the validation process and XXXX different representatives hung up in my face. I did not feel comfortable providing my personal information when I was unaware of the debt. When I was able to speak to someone, I asked for copies of the judgment, the contract or any documents stating what was owed. He told me that the judgment was for {$1000.00} but they had received {$800.00} already. However, {$1600.00} was taken out of my account. I still have not been able to get any validation of the debt or the documents stating what was owed, received, or what was to be taken out of my account.
Product: Debt collection

Caine & Weiner is a debt collection company that I do not have a wet ink signature contract with. I have never heard of this company nor have I willingly or voluntarily conducted any business with this company. I have asked for verification of debt that has my wet ink signature. In the event, that they can't I have demanded them to remove themselves from my credit report. The can not supply the requested information. They appeared on my credit report in 2021 and they have reported negative on my account nearly every month since. It has affected me personally and financially.
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 XXXX XXXX XXXX. 

XXXX XXXX # XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX 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 instruction.

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

XXXX XXXXXXXX XXXX XXXX XXXX EXTENDED ME CREDIT FOR PURPOSE OF GETTING MERCHANDISE. I MAINTAINED GOOD PAYMENT NEVER LATE OR MISSING ANY PAYMENT SYNCRONY CLOSED MY ACCOUNT WITHOUT ANY CONVERSATION OR LETTER INFORMING ME OF THERE INTENTIONS. I REACHED OUT TO FIND OUT WHY THIS ACCOUNT WAS CLOSED THEY INFORMED ME THAT ANOTHER CONSUMER REPORTED THAT THEY SHOULD CLOSE IT OUT. I EXPRESSED THAT CLOSINGA GOOD ACCOUNT WOULD AFFECT MY CREDIT AND SCORE. THEY SAID THEY HAVE ECERY RIGHT TO DO SO I INFORMED THEM THAT WE HAVE A ( LEAL CONTRACT WHICH WAS USED TO OPEN THIS ACCOUNT AND IF I MAINTAINED THIS IN GOOD STANDING IT WOULD BE REPORTED AS SO. IN DOING SO IT STARTED A RIPPLE EFFECT MAKING MY SCORE DECEASE AND KEEPING ME FROM GETTING OTHER OFFERS OF CREDIT. THIS IS A VIOLATION OF ARE AGREED CONTRACT IF THEY CAN WILLINGLY CANCEL MY CONTRACT THEN THIS MAKES A CONTACT VOID.AND THOSE ALL AGRREMENTS NO LOGER BINDING SO I ASKED THEM TO REMOVE THE CREDIT REPORING ACCOUNT SICE IT WAS THERE REASON TO CANCEL THE CONTRACT THEY REFUSE ( BREACH OD CON TRACT ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX XXXX PA XXXX TransUnion Disputes Information Center Re : Notice of Dispute Dear ( credit bureau XXXX, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumerfilein accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX  - Account # XXXX Delete this account because you are inaccurately reporting - Date of last activity ( XXXX ) - Payments dates. 

XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting - Date opened ( XXXX ) and payments. 

You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, at XXXX, I was alerted by the TD Bank Fraud Dept XXXX via text message that an attempt was made at a TD Bank to withdraw {$500.00} using my debit card. I responded that I did not attempt this. The card was locked immediately following this, I logged into my TD Bank account and saw that four withdraws were made on XX/XX/year>, three of which were at TD Bank ATMs. The total for these withdraws were {$1600.00}. I contacted the fraud department and spoke to someone to dispute these charges. I found that my debit card was missing and was used last at a XXXX. No one has access to my pin number and no one but me lives at my address. I went to the TD Bank after work and received a new debit card, and the person that helped me noticed that the first withdraw was made at that particulate bank, followed by other withdraws in a short period of time. She made notes on this case after our discussion. TD Bank denied the dispute claiming the " transactions appear to be authorized because a valid pin was utilized at the time of the transaction. '' I returned to the TD Bank and once again spoke to the person that helped me originally, who re-entered the dispute after I had asked that someone investigate the camera footage at the three ATMs the person with the debit card used. I also voiced my concern that someone could have utilized technology to obtain the pin information from my card in the time they had it, since the first of these withdraws was made the next day. That dispute was also denied using the same reason they gave the first time. I contacted the fraud department once again on the phone and spoke to someone who once again re-entered the dispute. I asked again about camera footage for the affected ATMs, but was told I would need court documentation in order to obtain that footage.
Product: Debt collection

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removedCFPB ) has recently filed a lawsuit against STEM Explore Following Friends For You XXXX Q Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credi standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Money transfer, virtual currency, or money service

XXXX ID # XXXX XXXX XXXX XXXX initiated on XX/XX/year>. Bank of America could not deliver the fund to the receiving bank because of that country 's policies and said that my money is at Bank of America 's international branch and will be refunded in my account in few days. This has been pending for over XXXX months. I have called them multiple time with wait times over XXXX each time and every time they say it will be returned in XXXX business days. 

My calls to bank : XX/XX/XXXX : XXXX XXXX XXXX - XXXX mins XX/XX/XXXX : XXXX XXXX Time - XXXX mins XX/XX/XXXX : XXXX XXXX Time - XXXX XX/XX/XXXX : XXXX XXXX XXXX - XXXX XX/XX/XXXX : XXXX XXXX Time - XXXX
Product: Mortgage

I was approved for the XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2022 ( See attachment ) XXXX XXXX mailed payment on the first of each month to the service provider ( US Bank Mortgage  ) service provider received the payment around the XXXX day of each month. 

I make my mortgage payment of {$360.00} XXXX on XX/XX/2022 loan balance was {$47000.00} ( See payment history ) On XX/XX/2022, and XX/XX/2022 total of {$720.00} Instead of applying each XXXX payment to my mortgage, they deposit it in a suspense balance. ( See attached ) Now my loan balance is {$47000.00} this is incorrect. please investigate my payment history and make adjustments accordingly. 

Thank you,
Product: Debt collection

Pressler & pressler sent there first letter to me on XXXX XXXX,2017 then another on X/XX/17. Then on XXXX XXXX 2017 i recived a court letter said that i am being sued. For a full amount of XXXX. my concern is this debt is for XXXX college of XXXX which I attended years ago when i was XXXX yrs ago. It ended up being a BUG waste of my time & XXXX  actually ended up going out of business. Now i know my intial loans are with XXXX XXXX XXXX XXXX which i think are federal. Which is who i thought i owed & i speak with them & maintain my balance with as much as possible. Im am now XXXX yrs old which a XXXX yr old daughter jus got another apt & am trying to do the best i can as a mother to my child. Now as for this XXXX debt they want from me, i find unfair because they jus recently contacted me this year & its like they came out the blue. I did some research & found out that pressler & pressler have been sued before for wrongfully harrasing people & they lost. Ultimately having to pay XXXX XXXX XXXX. & this happen more then once. Why are they still able to sue people with bery little information about the situation & why the person owes money & how old the debt is. Is there a statue of limitations? I can ensue? I dont wana lose all my hard earned money to them over a debt that im already paying to another institution. Please help.
Product: Credit card or prepaid card

I was charged a {$99.00} annual fee on my statement closing on XX/XX/2021, even though XXXX stopped charging the fee later that year. They did not credit my account or offer a refund. XXXX also changed their terms for the cash back offered on their card in the middle of the year. XXXX dropped the cash back reward from 2.5 % to 1.5 %.
Product: Credit card or prepaid card

In XXXX, 2022, I purchased an item from Bloomingdale 's which I never received. I notified the store which they deny that I ever did. Starting in XXXX, I sent emails and notes inside the bill. I told them I didn't want to pay for an item that I never received. Over time, interests and late fees piled up to almost three times the amount originally charged. Someone did drop one or two late fees, but that isn't a resolution. I have spoken to various individuals over the past months and have been yelled at, insulted, told I was lying, and have been denied resolution. I am sorry that I didn't write down dates of these phone contacts, of which there are many, but that never occurred to me.

Bloomingdale 's closed my account and denied a refund from the department where I tried to purchase the item. I am harassed for payment at least four times a week and have been told that my situation is 'just too bad. '' this is so stressful, that I have to pay for an item that I never received and have to be continuously harassed about payment. Further, they have ruined my credit. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus stated my accounts was properly investigation but how is that possible if the open date is inaccurate. the date last and last reported is not accurate, This is ground for removal they also violated my right under 15 U, S, C 1681 section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also that a consumer reporting agency can not furnish a account without my written instructions. 
In accordance 's with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX ACCT/ XXXX DATE XX/XX/XXXX XXXX XXXX XXXX  ACCT XXXX DATE XX/XX/XXXX {$730.00} XXXX XXXX ACCT XXXX DATE XXXX {$980.00} XXXX XXXX XXXX  ACCT XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX ACCT XXXX Date XX/XX/XXXX {$780.00} XXXX XXXX XXXX  ACCT XXXX DATE XX/XX/XXXX {$620.00}
Product: Bank account or service

This dispute deals with Bank of America dealing with XXXX. XXXX was not able to receive a payment from BOFA. BOFA stated the best thing to do was to file a dispute to get the money back in my account and pay XXXX. While filing this dispute BOFA contacted XXXX and had a payment reversed from a completely separate account. This resulted in the account being closed and put into a delinquent status. The other account with XXXX still has not received their payment. I have contact BOFA and spoken with online chat support, fraud department, claims department, customer service. I have contacted XXXX and they do n't have a solution either, they say it 's all an issue with BOFA system.
Product: Mortgage

I am writing to request an accurate and timely reporting of my reinstatement to be delivered to the Keep Your Home California ( KYHC ) program team. 

I became aware on Friday XX/XX/XXXX that the KYHC team is struggling to create an affordable payment for me through their program ( which would help me to save my home ) because the Servicers Worksheet provided to KYHC by Shellpoint in late XX/XX/XXXX shows a total due to bring current upward of $ XXXX. I have not missed a payment since XX/XX/XXXX but SHELLPOINT HAS BEEN REFUNDING MY MORTGAGE PAYMENTS, accumulating a much higher reinstatement amount than originally proposed. 

I contend that the reinstatement amount is {$54000.00}. Here is the evidence : XX/XX/XXXX Mortgage Statement shows Reinstatement Amount {$54000.00}. Again, I have not missed a single mortgage payment since XX/XX/XXXX. 
The following mortgage payments I made were delivered to Shellpoint and electronically re-deposited to my checking account without my permission. 
XX/XX/XXXX {$4000.00} refunded on XX/XX/XXXX XX/XX/XXXX {$4000.00} refunded on XX/XX/XXXX XX/XX/XXXX NOTICE OF DEFAULT AND INTENT TO ACCELERATE reinstatement amount {$54000.00} ( {$250.00} of interest since XX/XX/XXXX on payments that I DID make? ) XX/XX/XXXX {$4000.00} refunded on XX/XX/XXXX Additionally, Shellpoint delayed my eligibility for KYHC for one month. 
I was accepted to the KYHC program on XX/XX/XXXX and shared that information with the Shellpoint Loss Mitigation Team and with XXXX XXXX, my contact at Shellpoint, before XX/XX/XXXX, the deadline for my appeal for a loan modification denial. 
By XX/XX/XXXX I learned that KYHC was just waiting for a Servicers Worksheet from Shellpoint ( I was assured by KYHC that my responsibilities to provide documentation to KYHC were complete and there was nothing more I could do to further my application. ) During the week of XX/XX/XXXX, I learned that KYHC still had not received a Servicers Worksheet from Shellpoint, further delaying my eligibility.

When I became aware in XX/XX/XXXX that Shellpoint was refunding my payments, I spoke to XXXX XXXX, the representative assigned to me. She explained that Shellpoint would continue to refund the payments. I spoke to the bank manager at XXXX XXXX XXXX XXXX and she assured me that she could not stop Shellpoint from refunding my mortgage payments. So, I stopped making payments starting in XXXX since I was assured they would be electronically refunded to my account. 

Given that I was accepted to the KYHC program on XX/XX/XXXX, I assumed that the various teams would support me in a timely manner and accept my mortgage payments. To continue supporting me to keep my home, the XXXX I have owned and lived in since XXXX, I request that 1 ) Shellpoint accept my mortgage payments for XXXX through XX/XX/XXXX, which I can mail right away. 2 )  Communicate the appropriate reinstatement amount to KYHC, {$54000.00}.

Given that a Notice of Default was recorded with the County on XX/XX/XXXX, this is an urgent matter. I am certain that the Shellpoint team and KYHC want to avoid foreclosure and work together to help me keep my home.
Product: Credit reporting or other personal consumer reports

XXXX has deleted the attached items due to reporting false information. I need equifax to follow suite and delete the attached accounts as well immediately under the FDCPA and FCRA
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXXXXXX  Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : EXPERIAN 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 XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Bank account or service

Citibank - had fraudulent charges on my debit card. We have been filing a fraud charge for 3 weeks and they keep losing the request. We have spent 4 hours on the phone, and then call back and no one knows anything about it. The charge remains and they refuse to assist.
Product: Credit reporting or other personal consumer reports

XXXX # XXXX .... 

CLAIMS AND REPORTS TO XXXX AND TRANSUION AS WELL AS XXXX IS BEING REPORTIN IN COLLECTION? 

HOW WAS THIS SOLD TO A COLLECTION AGENCY WHEN IT WAS NOT LEGALLY VERIFIED? 

IS THAT EVEN LEGAL?? 


PLEASE REMOVE CAUSE ITS HURTING ME FROM GETTING APPROVED FOR A LOAN FOR MY ! ST HOME
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX  will not allow me access to credit reports. I have tried to call to speak with someone several times and was hung up on. I get to the verify my identity with the automated system and by the time I get to the multiple choice questions I get the response " unable to verify my identity ''. I am in the process of mailing a form to get my free credit report at this time however I believe the information they have on me is totally inaccurate as I have had NO credit whatsoever as I am XXXX currently.
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 XXXX XXXX XXXX XXXX XXXX XXXX 1

5 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, credit repair services, or other personal consumer reports

I have filed numerous complaints with numerous government entities including the cfpb and the problems are still not fixed. I have filed complaints directly with the credit reporting agencies I have filed complaints with XXXX directly I have filed complaints with the Department of Education and the problem is ignored and not corrected. This is my final attempt before I contact a lawyer and I become part of a class action lawsuit to sue XXXX. 

I have repeatedly asked for the past 12 to 18 months worth of statements an information showing payments that I have made how they were applied and previous interest rate information how it was calculated in all kinds of information that I have not received and it is not in my account. I am sick to death of asking for XXXX  that I am required to have by law! There are no statements there are no details there is no information. On top of that I continue to make payments that it or not reported to my credit bureaus. My loan has has decreased because I have been paying down the loan and there is no interest accumulated yet none of this information transferring over to my credit reports. They are only reporting that I am on time they are not reporting that I'm making payments which I am. They sent me some ridiculous response and I'm going to attach to this complaint about my address and other things that was not even part of my complaints and they completely ignored the second part of my complaint which dealt with the credit reporting problems. They also keep flat-out lying and stating that they are uploading statements and all of us other lies that they are not in my account. I want this XXXX fixed now I have had enough and I'm going to go to the media as well. They are playing games even in the response that I have attached to this complaint they tell me to detail my complaint again and send them more information which I have multiple times. I am not playing games they are to report what they have to the Credit Agencies immediately and accurately. They are also reporting an address that I have never lived at and they keep reporting it to the Credit Agencies an address in XXXX Michigan.