23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was attempting to purchase a vehicle and I realized I had damages on my credit report. I reached out to XXXX, Experian and XXXX regarding the charged off XXXX XXXX  & XXXX accounts listed and the XXXX hard inquires, but I had no luck. I was told by a representative, that companies have the right to access my reports, as long as they possess my information. That is FALSE. According to the 15 U.S. Code 1681- Congressional findings and statement of purpose law, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The XXXX credit bureaus are not recording my information accurately, which is not fair and not equitable to me. There should not be any damages on my report. That is a defamation of character.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called by lawyers wanting to represent me in order to get rid of hard inquiries and derogatories on my account. I wasn't aware that there were hard inquiries and do none have contracts with these companies. Due to the fair credit reporting act, legally, these unverified and unauthorized items need to be removed. Please remove them. The accounts are as followed : 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 or other personal consumer reports

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 instruction Equifax Account number XXXX XXXX ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Student loan

Was informed from Edfinancial on XX/XX/XXXX that I was approved for a refund of {$5300.00}. However on XX/XX/XXXX EdFinancial opted to reduce the amount to {$2300.00} without any explanation. Furthermore, they have stated that refunds have been sent totaling : {$1500.00} for which have been received. However when questioning the difference of {$3700.00} ( original difference amount ) or {$790.00} ( updated amount ), EdFinancial is refusing to provide further updates besides stating to talk to XXXX XXXX XXXX. When speaking with the XXXX XXXX XXXX, they have stated to talk to the servicer. My borrower defense claims are part of the Sweet v Cardona settlement and were approved in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Advance 247 uses its own provider for credit verification named XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl They produced a creditor score rating of XXXX and stated that the account is in poor standing and that it has excessive changing information and derogatory accounts. 

I find this to be a violation under 18 usc 894 It includes the following provisions : Advancing money or property with the intention of making extortionate extensions of credit is punishable by fine or imprisonment1.

Participation in the use of extortionate means to collect or punish nonrepayment of credit can result in fines or imprisonment
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I went to money grand facility located in XXXX NY XXXX to sent XXXX dollars to XXXX XXXX they charge me XXXX dollars for the transaction, unfortunately, the person I sent it to the name I put down was not the same as the ID they had. Usually in my country, they use two first names, middle name, and two last names.I called money grand at XXXX approximately XXXX XXXX in the afternoon on XX/XX/2020, and one of the representatives told me that I need all the information. Again I call at XXXX in the afternoon and the representative told me that she will give me a code number, with that code I have to go back to the Moneygram site to make the changes. The representative told me I wouldn't be charged a XXXX dollar fee again. At approximately XXXX XXXX in the afternoon I show up at MoneyGram with the code to the same women who made the previous transaction for me and she said that in those countries they using 2 names and 2 last names. I told her that two days ago I send like XXXX dollars to the same person and it was not a problem maybe it is because of the amount of money. Finally when the teller changed the first names and last names she told me is XXXX dollars more. I respond to her does not fare beacuse I already paid XXXX dollars for the transaction this is not the first time happen to me in other instances they just change the names and that it all.I have also clarified that this XXXX XXXX conect you to representatives located in XXXX  or XXXX . I try to explain to them several times and they not understand my position.As a resident of the United States paid XXXX dollars extra is not easy paid extra for changing a name, I am not a rich person we work hard to make money and pay our bills.I told those people from XXXX XXXX to conect me with customer services in the USA but nothing they can do about it. I need my XXXX dollars back.
Product: Vehicle loan or lease

My husband is going back to XXXX XXXX. The vehicle in question stopped running shortly after we bought it. We were sold a lemon. I am paying on a vehicle that doesnt run and with my husbands now lowered salary we can not afford XXXX vehicle payments. Global lending services states they can not help us with lower payments or any options. They keep calling my friends and searching people Im connected with. This is a violation to my privacy. They should not be allowed to harass my friends and family.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I was contact via phone by XXXX XXXX/Monterey financial after returning the call I understood that the business was closed and had to call the next day upon returning the call the next day I spoke with the A representative XXXX XXXX  she was very unprofessional Refuse to let me speak with a supervisor to get to the bottom of what was going on the representative want to know why I had made my monthly payment I explained to her that my payment was on an automatic debit from my account and it had been and that was the only way that I could obtain the loan This company does not allow you to mail in payments she told me that they discontinued by their own choice to stop debiting my account and they had supposedly spoken with a gentleman that Id have no idea who he is that stated he would be making my payments by monthly check Ive asked them What number did they contact this person it was an able to be given the informationthere is no gentlemen attached to my account name XXXX that makes monthly payments and they finally admitted that they had reached out to the wrong person and had given out my informationTo this mysterious person I am unable at this time to come to an agreement with next step funding Monterey financial on as to how they plan on continuing to receive my payments There are stipulations in their contract for if you are not able to pay for the items they can reprocess them this wont be happening because I did not ask for the payments to stop they stop them themselves Ive made every payment on time I have never missed a payment because of the automatic with drawlThe company chose to no longer debit my account bad choice my account is still open it is still active I have never filled out any paperwork to discontinue nor have I received any documentation from them that they would discontinue the automatic debitOn XX/XX/XXXX was the first point of contact when they call me they never call for the month of XXXX they never written me a letter or email me any type of notifications as to what was going on in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting or other personal consumer reports

This is to inform that my credit report has been used inappropriately and this violated my consumer right, this companies violated my consumer right. 

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX ( bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Capital One credit card has shown no remorse or help during hardship of XXXX. The are the worst company to deal with and would not want others to fall in this same trap. It is heartless to the story of someone that was in XXXX  for months and still will not help with interest. Horrible company.
Product: Credit reporting

My name in the credits report is wrong in the trans union report my correct name is XXXX XXXX and in the report say XXXX isnt XXXX its XXXX XXXX XXXX may fix the problem please because this has cause that i cant see my credit scores thanks
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint regarding LCB Rent Reporting Ltd. inaccurately reporting data on my credit report. The company acknowledged the error and stated that the balance being reported was incorrect and that they would update the credit bureaus. As of XX/XX/XXXX, the information remains unchanged from what I originally reported. 

Furthermore, the account is inaccurately listed as open, despite my rental agreement ending on XX/XX/XXXX. It also falsely indicates that I have scheduled monthly payments, suggesting to potential lenders that I have an ongoing monthly obligation of {$2400.00}, which I do not. The disputed debt of {$7200.00}, currently being litigated in the XXXX of PA courts ( on appeal ), pertains only to XXXX, XXXX, and XXXX of XXXX. No other months were delinquent or unpaid, so the historical data needs to be corrected. 

Additionally, there were never any partial payments or payments less than {$2400.00} made to the landlord, so the last date of payment XX/XX/XXXX indicating {$1600.00} needs to be corrected as well. The balance of {$13000.00} listed as past due is completely inaccurate and must be corrected immediately as it is significantly damaging my credit rating. At this point, LCB Rent Reporting 's negligence in correcting their error from a landlord is unacceptable and a clear violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA, consumers have the right to dispute inaccurate information, and the credit reporting agency is required to correct or remove inaccurate, incomplete, or unverifiable information, usually within 30 days.
Product: Credit reporting or other personal consumer reports

I have disputed in accurate information negatively impacting my credit by XXXX XXXX XXXX XXXX for over a year & Experian has constantly verified the debt without sending me any proper documentation that proves Im liable for the debt. The account number in question with XXXX XXXX XXXX XXXX is XXXX. I also have disputed a collection with XXXX XXXX XXXX. Account number XXXX. Ive never had an account with them. They are illegal coming after me for a debt that they never had Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4.
Product: Debt collection

I went to XXXX XXXX XXXX on a few occasions. For some reason they always appear to bill an old insurance company and not the one I provide them at check-in. 

Long story short my insurance company paid their bill in full. None the less I have continued to be called and harassed by other companies seeking payment for XXXX XXXX XXXX. Each time I provide proof of payment but they continue to call or send me letters. 
Credit Adjustment Bureau and XXXX XXXX. 

XXXX  my insurance company paid the bill and provided proof. 

This company has proof that I paid but for some reason they have not communicated well to their collection arms. Their practices need to be reviewed.
Product: Mortgage

XX/XX/2013 XXXX XXXX XXXX XXXX - Wells Fargo Loan number - XXXX XXXX XXXX XXXX, NJ XXXX Good morning, I'm submitting this complaint against Wells Fargo, as a result of the way they have handled my situation for the last month and a half. 

Unfortunately, I fell behind on my mortgage payments and ( over the course of the last year ) have been through very difficult times, dealing with non reputable companies, as well as, attorneys who never did a complete job for me. I tried to reopen negotiations for a loan modification on XX/XX/XXXX and at that time, I was told that my loan account was labeled as in Default Litigation. This was a result of the company that I was working with - XXXX XXXX - submitting documentation to Wells Fargo 's attorney. 

I formally disengaged with XXXX and submitted my disengagement request letter, along with the confirmation that they had disengaged services to Wells Fargo and they're representing Attorney XXXX XXXX. 

For the last 5 weeks I have been trying to engage Wells Fargo in a conversation to resolve this foreclosure and every single time that I've spoken to them, they've told me that my file is STILL listed in Default Litigation and that it had been REPEATEDLY assigned to someone, so that it could be updated. 

Even more appalling, I've reached out to XXXX XXXX on FOUR separate occasions - he's never returned my call. 

A motion for Summary Judgment was filed on Friday XX/XX/XXXX and it's my belief that it is their intention to block any and all communications, attempting to resolve this matter. These are serious Loan Servicing Compliance issues and I need your assistance. 

I also submitted a complete loan modification request packet, on XX/XX/XXXX and they DID verbally confirm that all documents were received, but I've never gotten any updated information or a letter from them confirming this fact. 

The motion that was filed on Friday, was also Dual Tracked. the motion was filed, allegedly, on the exact date that XXXX confirmed their disengagement of services. This is impossible to accomplish. Not only that, but I had been in communication with Wells Fargo for the entire time during and after that disengagement, trying to resolve this matter. 

It is my understanding that - as long as I'm acting in good faith and trying to resolve this matter with Wells Fargo, they are prohibited from filing any legal action. Which is exactly what they've done. 

The most egregious individuals in this situation are XXXX XXXX and XXXX XXXX. XXXX is in the highest office at Wells Fargo, responsible for resolving issues like this. I've reached out to her no less than SIX times - all without response. Her direct contact information is - XXXX x XXXX SHE is in a supervisory capacity and is acting incredibly unprofessional and deceptive in this matter. I've attached every page of notes that I've taken over the last five weeks and would like to ask you to please reach out to me to discuss assisting with this problem. 

Thank you in advance for your help with this! 


XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> .I was contacted 4 years ago explained i was no liable for bill. I was in custody of police and did not want to go to XXXX. I have XXXX XXXX never charged, now 5 years later I have received letters stating I owe {$1000.00}. 4 years ago XXXX  contacted me i explained and it was dropped. Now I am receiving letters from a " credit management company ''
Product: Mortgage

late charges have been applied and there is no supporting documents, I have been trying to resolve this for a long time and have not been able to do so. I have been in good standing and have never been late on payment, I opened a mortgage with GMAC XXXX XXXX, 2004 and it was sold to Ocwen. now my monthly statements are not correct I have called many times and can not get this resolved.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

XXXX has repeatedly failed to apply my insurance documentation to my account. They also misappropriated my escrow funds for an additional insurance payment. It took months to track that money down. 

They are now claiming that I have failed to submit proof of hazard insurance for my property. Despite me submitting this via their online portal back in XXXX. I have emailed it to the new email address in their phone prompt. 

No matter what I do, I can not get in touch with a human being to rectify this. Its all automated systems that do not speak to each other.
Product: Credit reporting or other personal consumer reports

My information might have been impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.

I been receiving emails, phone calls & text messages for over couple years & noticed some accounts on my credit report that i have not opened. I am a victim of FRAUD and its damaging my financial lifestyle. 

I would appreciate for you guys to remove any inaccurate information on my credit report, here is the following in accurate information 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

I sent XXXX a letter over 30 days ago and have not gotten a response in regards to all of the incorrect information they have reporting on my credit. They have incorrect addresses, and jobs that I wrote to have deleted and they are still there. No response no letter no nothing.
Product: Credit card or prepaid card

I paid off a promotional balance on XX/XX/21. The balance owed on the promotion was {$180.00}. I paid {$180.00}. I was charged {$81.00} in interest. I tried to have this rectified the following month when I saw the interest charge. I sent multiple messages in regard to the interest charge. I sent another message on XX/XX/21 for a status update was told to call. I called and spoke with XXXX, then a supervisor XXXX ( female ) telling me a letter was mailed to my home which I never received stating the interest charge is valid. XXXX said that because I did not pay over the minimum each month, I owed the interest which does not make sense if I paid the entire balance of the promotion off in time. It shouldn't matter that I did not pay more than the minimum each month if I paid off the entire balance of the promotion before its expiration. I have been charged interest since XXXX so I would like reimbursement of {$90.00} and any additional interest I am charged in the meantime while this is investigated.
Product: Debt collection

This Pressler and Pressler Law Firm who is a debt collector, sued me without properly notifying me of the lawsuit, sued me where I did not live, attempted to/Collected exempt funds that were not mine and seized or attempted to seize property. 

In XX/XX/XXXX, without my knowledge or any sort of notice to me, they filed a lawsuit against me in XXXX for failure to pay a debt. They did not serve me and I never knew of the lawsuit, and as a result a default judgment was entered. I had moved out of XXXX in XX/XX/XXXX and now live in XXXX. I had no knowledge of this judgement and it did n't even appear on my credit report. They had the judgment for 6 years and never made any attempt to contact me. Then 6 years later, last Friday, they seized money from my bank account, a joint account that is held with my wife. 

We had no idea why someone was placing a legal hold on our account and had to contact the bank. I was given a number to contact Presseler and Pressler to find out more information. I called this company and they refused to give me any information except that it was XXXX, it is a debt from XX/XX/XXXX, they filed a case in XX/XX/XXXX, now have a default judgement and can take the money. I still do n't know what this debt is and why they think that I owe it. I do n't even know what type of debt it is, the company they say I owe the debt to, XXXX, I never had an account with. This may be a case of identity theft, but the person told me on the phone " they have the money now so they are not going to do anything else or provide me any other information ''. I do not even have any paperwork to upload or provide you because I was never given any. Its like someone came and stole money out of the bank account. 

The money they took was not even mine, it was my wife 's in our joint account. If, like they say, the debt originated in XX/XX/XXXX, this was before I was married and she is not liable for that debt. They also took personal property that was exempt from taking under XXXX Law, because the money that was mine in that account was much less than XXXX. They also came into and took money from a XXXX account with a XXXX judgment. 

I am currently in the process of filing a Motion to Vacate the Default Judgment, and also plan to oppose the Motion to Turn Over Funds. 

I did some research because I am still clueless as to what this debt is and found out that the CFPB last year fined this same Law Firm, Pressler and Pressler, and this same Company, XXXX, for the exact same practices they are still pursuing and using to harm me. I think that I may be a victim of fraud.