23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I ordered a credit card from Wells Fargo bank by regular mail and never received it Meaning someone retrieved it and used it and made purchases I asked for another card so they would fedex to make sure I get it this time and I activated it They are accusing me of activating it with my phone but I activated the second card with my phone not the first one that I didnt receive The fraud transaction was on XX/XX/2023 but I received my card after that date The bank refuses to overturn their decision to reverse the charges
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, my rights has been violated. 

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: Debt collection

On XXXX/XXXX/15 I paid Transworld Systems Inc. for an old military debt on my XXXX XXXX Card for the amount of {$3700.00}. I had a garnishment on my paycheck prior to that and on XX/XX/XXXX {$500.00} was garnished, and again on XX/XX/XXXX my pay was garnished for {$240.00}. I have contacted Transworld Systems Inc for the overpayment and have still not received my overpayment refund and can not get an answer to when and if it will be refunded. I also contacted the XXXX XXXX XXXX card and the balances between the collection agency and the debtor do not match. Transworld has been very hard to deal with and the XXXX XXXX put me on hold for an hour when I requested a manager. I 'm very frustrated with the XXXX agencies and would like for them to contact each other, figure out my overpayment, and refund me immediately, I have paystubs that can verify the garnishment as well as the wire transfer from my bank when I paid the debt off.
Product: Mortgage

I received an Annual Escrow Account Disclosure Statement dated XX/XX/2019 that listed our new mortgage payment as {$XXXX}. Originally, since our mortgage began in XX/XX/2019, our mortgage was {$XXXX}. After researching, it was found that the mortgage company had incorrect amounts for our tax amounts/escrow. The mortgage company listed our property taxes at roughly {$XXXX} when the correct amounts are just around {$1100.00}. I called them immediately and asked what I should do. They requested that I email them scans of the information I have. ( Note - They said I would receive confirmation that they received the correct information via email but in the first three times, and then the following two times, that I emailed information they requested, not  once have I received a confirmation. Throughout all of my emails, I have never received a confirmation even though they have the correct email for me on file and I double and triple checked the email they wanted me to send the scans to to make sure all was correct. ) So, I emailed them scans of our tax bills THREE times over the course of a few days, with no response. They confirmed that they received the information, only after I took the time to call them again, and that an adjusted bill would be sent in the mail. I then received an updated bill that listed our payment due for XX/XX/2019 as {$XXXX}. After more researching, I found that the mortgage company STILL has the incorrect amounts. I have now emailed a scan off an official Tax Certificate TWICE with no responses again. Per a phone call on XX/XX/2019, I was told that it would be resolved within a week or so. I called the next week on XX/XX/2019 to check on the progress and it was discovered that whoever I talked to on XX/XX/XXXX actually did not forward my information to the tax department and no progress was made. It was confirmed during the XX/XX/XXXX phone call that my information was indeed being sent to the tax department this time and the matter should be resolved within a week or so. I have since called XX/XX/2019 ( Three times on the same day since their phone system kept dropping my call while I was on hold for roughly 30 minutes EACH time ) and XX/XX/2019, and the only information the company will give me is that it has been forwarded to the tax department and that they are looking into it. I check daily to see if the amounts have been corrected and they are still incorrect, which reflects an incorrect mortgage payment amount.
Product: Debt collection

I received a letter from MCS CLAIM SERVICE stating I owe {$250.00} to XXXX XXXX XXXX XXXX. This is incorrect because during the time this service was preformed my address was at XXXX XXXX XXXX, XXXX NJ XXXX. All ambulance service is supplied and paid for by XXXX XXXX for all permanent residents. 
Please correct this error and send me notification when completed.
Product: Debt collection

Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Illegal collection Activity through US Mail Repeated collections letters Debt is over XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the Equifax report dated XX/XX/XXXX. I disputed this XXXX XXXX that showed up with it showing a repossession. XXXX XXXX XXXX  are the same company. Furthermore, Equifax backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

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

ALL THREE CREDIT BUREAUS SHOWED MY POSITIVE HISTORY ON MY XXXX  XXXX CARD ACCOUNT XXXX - NOW IT GOT REMOVED AND MY CREDIT CARD COMPANY SAYS IT IS REPORTING AND IT DOES NOT REPORT
Product: Credit card or prepaid card

See attatched statement of XX/XX/XXXX OTHER CREDITS {$2.00}, XXXX. 
( - ) subtract merchants credits of {$910.00}. LEAVES {$1.00}, XXXX FRAUD CREDITS NEVER RESOLVED?? WHY?? See attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX ( USAA DID NOT COMPLETE THIS INVESTIGATION FOR 9 MONTHS. ) UNAUTHORIZED TRANSACTIONS OF {$470.00} And this iIS THE * ONLY COMPLETED INVESTIGATION RESULTS USAA NOTIFIED ME ABOUT. WHY?? What was the RESULT of ALL THESE BEGINNING FRAUD INVESTIGATIONS CREDITS USAA BEGAN XX/XX/XXXX. 
TOTAL {$1.00}, XXXX?? USAA DOES NOT INVESTIGATE FRAUD.
Product: Student loan

I was encouraged to utilize forbearance and not told about income based payments in 2008. 2 years of my previous payments ( paid out from XX/XX/XXXX-XX/XX/XXXX ) were " eaten up '' after this choice for interest that I was not told would be accruing. 

Two years ago after my payments reached over {$300.00} a month, I inquired about reducing my monthly payments. XXXX gave me a reduction by half, however now I am fearful that my interest is building even greater. I was told that this would not occur, that they were reducing my payments as I had a good record of payments in the past.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my privacy and confidentially under 15 U.S.C 1681.

Account name- XXXX XXXX XXXX XXXX XXXX ... My transunion credit report states I wasn't delinquent in XX/XX/XXXX but experian credit report is reporting a 30 late payment in XX/XX/XXXX. In XX/XX/XXXX, XXXX credit report states i was late 30 days but experian report, reports was 60 days late. My last payment on this account was XX/XX/XXXX. Both transunion and XXXX reports a final payment of {$370.00} but but both reported that i was 90 days late. All of this info is inaccurate. 
XXXX XXXX  # XXXX ... My transunion credit report states I was 120 days delinquent in XX/XX/XXXX but experian credit report is reporting a 150 day late payment in XX/XX/XXXX. In XX/XX/XXXX, XXXX credit report states i was late 120 days but experian credit report 150 days late. All of this info is inaccurate. 
XXXX XXXX XXXX # XXXX... XXXX credit report, reports maximum delinquency of 30 days in XX/XX/XXXX and in XX/XX/XXXX but experian credit reports reports delinquency payments of 30 days in all of these following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All this info is inaccurate. 
XXXX XXXX XXXX... XXXX credit report, reports maximum delinquency of 120 days in XX/XX/XXXX and XX/XX/XXXX and but experian credit reports reports delinquency payments of 150 days in XX/XX/XXXX, not 120 days delinquency. In XX/XX/XXXX experian reports shows 90 days late not XXXX. This info is inaccurate. 
XXXX # XXXX... XXXX credit report, reports maximum delinquency of 120 days in XX/XX/XXXX but experian credit reports reports delinquency payments of 150 days late in XX/XX/XXXX. In XX/XX/XXXX XXXX reports a 120 day late payment history but experian reports that this account was in collection in XX/XX/XXXX All this info is inaccurate.

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 may make any consumer report containing any of the following items of information. Any other adverse item of information, off than reports of conviction 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 consusumer 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 called XXXX  on XX/XX/ in regards of an account on my credit report that was reporting accurately. They told me to send in proof of payment. In which I faxed to them the letter from the creditor stating the account had been paid. I received a letter from XXXX dated XX/XX/ stating that the information they are reported is accurate. I sent Transunion the paid in full letter and they still wont update my credit report and thats all I wanted them todo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$220.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX {$570.00}
Product: Checking or savings account

A bank account was opened under my name and father 's name when I was a minor ( XXXX XXXX XXXX ) over 30 years ago. My father passed away 7 years ago. I was not aware of this account ; however, the bank was aware that my father was deceased. The bank failed to contact me and over the course of several years deducted monthly fees due to the account having insufficient funds. When I discovered that this account existed after reviewing old documents following relocation of an address on the account, I contacted the bank that I was aware this account existed. I did not know that they had been deducting monthly fees for several years or even the amount that was in the account as I was never notified. In an attempt to discover more information on the account I was charged over XXXX $ in fees without my knowledge, resulting in me going to collections for an outstanding overdraft on the account. Multiple calls later, the fee for receiving bank statements was withdrawn ; however, I never received the original amount that was on the account prior to years of monthly fees. 
The bank refused to reimburse the fees and provide the original balance on the account prior to the death of my father despite me being unaware of the account and them knowing that my father was deceased. There was never any attempt to locate me or send me monthly balances on the account so that I could either close the account or add money to avoid the monthly fees.
Product: Credit reporting 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 : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  : Account NumberXXXX 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 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: Checking or savings account

Hi I had a Wells Fargo account an I would have money inside of my savings. I would transfer the exact amount of money from my savings every time I made a purchase. But when I look up Wells Fargo would charge my card for the purchase and then a couple days later my account would go negative. It got to the point they overcharged my cart {$200.00} and I was in the negative.
Product: Debt collection

On XX/XX/XXXX I wrote to Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX ) " requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and the Fair Credit Reporting Act, along with XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation validating the debt. Under section 2-190 of the Rules of the XXXX XXXX XXXX XXXX , validation requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. '' I received a reply from MCM on XX/XX/XXXX stating " We are uncertain of what you are exactly disputing '' and a request for a " written explanation and documentation demonstrating any errors ''. They further state that the information is accurate because XXXX XXXX says so, basically. 

In summary, they totally disregarded my itemized list of requests, violated the above mentioned Federal, State and City laws and are in contempt of the Court Order of XX/XX/XXXX that they are " restrained and enjoined from engaging in any legal collection without providing the Consumer with certain information about the Debt ... [ namely ] a document signed by the Consumer evidencing the opening of the account forming the basis of the Debt ... " within 30 days '' of a request ''. 

On XX/XX/XXXX, I proceeded to reply to MCM reminding them of the laws that they were in violation of by not supplying me with documents signed by me validating the debt and a description of their verification procedure used to determine the completeness and accuracy of their reporting.

I received a reply from MCM on XX/XX/XXXX, stating " We have received ... from you credit reporting inaccuracies exist for the account '' and a request for " written explanation and documentation demonstrating any errors ''. They also double down that the information provided by XXXX XXXX is sufficient for them to " conclude that our information is accurate ... [ and ] has been accurately submitted to credit reporting agencies ''.

This appears to be gross negligence and disregard for the law, for affected consumers like myself nationwide and for the judicial process and The US District Court Southern District of CA. If they are unwilling to cooperate, hopefully the CFPB, US Attorney General and the XXXX Dept of Consumer and Worker Protection can induce a correction of their behavior.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The account below had violated my federally protected comusumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 Section 604 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 of information any other adverse item of information, other than records of convictions of crimes which antedates the reporting 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 's reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house and realized that I had major issues with my credit file. According to the 15 u, s, c 1681A law states that late payments are illegal. My late pay came during the pandemic which I thought that the government had expressed to the bill collectors to be more lenient. Also 15 USC Section 604 states rights to consumers ' privacy. Reporting agencies can not furnish an account without my written consent. The resolution to this is to delete the listed accounts. 
XXXX XXXX XXXXXXXX With TransUnion, XXXX, and XXXX XXXX XXXX XXXX Transunion, XXXX, and XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX Transunion, XXXX, and XXXX XXXX XXXX Transunion XXXX and XXXX XXXX XXXX Transunion XXXX and XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX and XXXX XXXX XXXXXXXX Transunion, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX Balance : {$27000.00}.
Product: Debt collection

I noticed an Installment loan from XXXX with a {$0.00} balance on my credit report. I did not authorize this loan nor do I know who initiated this loan. I also discovered 2 XXXX XXXX XXXX XXXX accounts on my reports that was not authorized by me as well. I have been a victim of Identity theft numerous times.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XX/XX/XXXX Flagship Credit XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Resolution Regarding Wrongful Repossession of Vehicle To Whom It May Concern, I am writing to formally address a wrongful repossession of my vehicle by Flagship Credit XXXX in XX/XX/XXXX due to your companys failure to send critical documentation to my correct address. Your companys actions, particularly during the COVID-19 pandemic, have caused significant financial and personal hardship, and I demand immediate resolution. 


Facts and Basis for Dispute : 1. Incorrect Address Use : Despite my obligation to make payments and receive communications regarding my vehicle loan, your company negligently sent important documentation, including notices of delinquency and repossession, to an incorrect address.

2. Lack of Proper Notification : Due to your companys failure to notify me at my correct address, I was deprived of the opportunity to rectify any outstanding balance or make arrangements to prevent repossession.

3. Unfair and Deceptive Practices : The repossession occurred during the COVID-19 pandemic, a time when federal and state agencies urged financial institutions to work with consumers experiencing hardship. Your failure to adhere to fair lending practices constitutes a violation of consumer protection laws.

4. Damages Suffered : As a direct result of your wrongful actions, I suffered financial loss, emotional distress, damage to my credit, and loss of essential transportation.

Demand for Resolution : To resolve this matter, I demand the following actions : A full refund of any fees, penalties, and repossession-related charges incurred.

Removal of any negative reporting related to this repossession from ALL credit reports.

Compensation for damages caused by the wrongful repossession.

I expect a written response within 30 days from the date of this letter. Failure to address this matter adequately may result in legal action, including but not limited to a lawsuit for wrongful repossession, unfair business practices, and violations of consumer protection laws.

Please direct all future correspondence regarding this matter to me in writing at the above address. 

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

I have called Experian consumer relations to notify them of an account with XXXX XXXX XXXX that is on my credit report by error. I have disputed the account with Experian but everytime I speak to someone on the phone, it sounds like someone out of the country and not someone who can handle my concern. I have tried to explain to the Experian representatives on more than one occasion that they need to obtain the agreements from XXXX XXXX XXXX regarding this account so that they can find the discrepancies and know why it is on my credit report when it should n't be. I tried calling XXXX XXXX XXXX myself but I have not been able to have them help me because this account has information that does not match mine. Experian continues to report this account on my credit report.
Product: Debt collection

Performed XXXX procedures on my sons XXXX that i did not consent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX trying to apply for a store credit card and i got declined. I was super embarrassed and shocked, so i went home and checked my credit report and i was shocked to see items that i didn't authorize. These Items are not mine and need to be removed from my credit report. I have contacted the FTC and the local police here. 
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