23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached. 

I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against XXXX and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

These 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. T These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX Midland Funding purchased my private information from XXXX Bank and are assuming that I owe them {$790.00}. I have no contract with Midland Funding so there for I do not owe them. they are both in violation of 15 usc 1681 and 15 usc 1692 which is fraud and identity theft under consumer law.
Product: Debt collection

XXXX  XXXX XXXX is in violation of my consumers rights ( 15 U.S. Code 6802 ) by providing my personal information to Transworld Systems Inc who | do not have a contract or debt with, which is considered Identity thief.
Product: Debt collection

Received a letter from IQ Data Inc. on XX/XX/XXXX saying I owed a debt in regard to my former residence XXXX XXXX XXXX that I moved out of in XXXX XXXX XXXXXXXX. I disputed the debt and sent the letter attached because I don't owe them anything whatsoever and there is nothing in writing to prove that I do. Also attached is the final move out statement from that residence and a move out notice. The only two pieces of paper I ever received from XXXX XXXX XXXX. 

When I originally signed a lease with the property it was with XXXX management. I did not sign anything with XXXX XXXX XXXX when they took over the property. My lease expired in XXXX. We did not sign anything with XXXX XXXX. Furthermore, I was a good tenant and cleaned the property. 

IQ Data Inc. did not get back in touch me in regards to this and were able to put this on my credit report. They said I should pay them over the phone even though I said I don't owe this debt. I don't know how they're legally able to extort people like this. 

Worked with a restoration specialist from XXXX as a part of XXXX on XX/XX/XXXX to conference call IQ Data Inc. 

When we did, they used different tactics to skirt answering clear questions. Their line dropped in and out of audio during coincidental opportune times, they blasted loud hold music, and said they were understaffed. They even asked for my full social security number ( I did not give it to them ). 

Considering this company has a litany of complaints, it is really a mystery to me as to why they haven't been investigated or completely shut down at this point.
Product: Credit card or prepaid card

When I received my most recent bill from Citi Costco Anywhere Card, after reading the fine print, discovered that my interest rate was 29.99 % APR! I immediately called the company to find out why and when that happened. The representative informed me that the rate on my card increased back in XX/XX/2020 and was due to late payment/credit performance. I asked if that late fee had been refunded, he confirmed that it had. I have no idea why I was not notified of this increase, I would have immediately contacted Citi to correct and stopped using the card. I then asked him to reduce the interest to the original rate. He said that he could not do that, my card was " ineligible ''. That it is reviewed every 6 months and I would have to wait another month or two to call back and ask. Meanwhile, his answer was that I continue paying on the card at 29.99 % interest. This is inexcusable abuse by Citi to charge anyone 30 % interest on a credit card. I have always liked my Costco card which is why I use it but today 's situation is highly concerning.
Product: Vehicle loan or lease

I reached out to Ford Credit and asked for documents to validate and verify this alleged debt. Ford Credit failed to provide the name and address of the original creditor so I can verify this alleged debt. They are still in violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services LLC has refused to properly, legally, completely and accurately validate these alleged accounts that were placed on my consumer profile. I have attempted several times over the course of 3 months to obtain proper documents for these adverse accounts but Early Warning Services LLC has refused to comply with the 30 day timeframe deadline by law to validate these accounts. They did not provide account transaction history, complete account indo, original signatures, photocopy checks etc. They even admired to Not having adequate records of these accounts into which I provided a police report for fraudulent accounts. They have not honored this police report. Early warning services refused to inform me as to how they allegedly validated these fraudulent accounts with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Who did they speak to? When? Contact info who supposedly validated these adverse accounts which are preventing me from opening accounts with other financial institutions. Furthermore, these accounts do n't bare my complete name. Early Warning Services LLC is defaming me and this is illegal. They refuse to comply with the law. I am violated as a consumer.
Product: Student loan

I have XXXX student loans from XXXX bank. They are in default and are now handled by Weltman, Weinberg and Reis Co., LPA. I have spoken with them twice about establishing a reasonable payment plan. My loans total {$48000.00}. They want me to make a down payment of about {$3800.00} and then make monthly payments of {$800.00} for the next 48 months. That monthly payment is totally impossible for me. I am willing to go back to making reasonable payments such as about {$200.00} per month, but they wo n't accept that. Also the length of repayment has been decreased to 4 years whereas student loan repayments are typically 10 years or longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureaus failed to provide evidence to support ownership of the debt and they still did not provide me a copy of the signed application with my signature pertaining to the debt in question. According to Fair Debt Collection Practices Act, they must show ownership of the debt. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they did not furnish the paperwork required to show 100 % proof that they own the debt and therefore the disputed items must remove the account from my credit report. 

I started my dispute in XXXX this year but there was no investigation made and so I sent a follow up mail on XXXX but until now I have not received documents from the 3 Bureaus. Please help me reach out to them so I can fix the error in my credit file.
Product: Student loan

This is the second time I have requested a reduction in payment from Great Lakes and received a notice 2 months later that my payment was over {$100.00} more than when I submitted. It turned out the first time XX/XX/XXXX they lost my paperwork. I had to reapply, all the time the interest continues to build.I am having this problem with Great Lakes again. I contacted them very upset. The agent took my information, saw my application sitting in the system and did something to cue it. Again, interest still adding up. I received a phone call from someone who identified themselves from Great Lakes who offered me a year payment of {$1400.00} per month which was lower than the {$1500.00} I was paying. This was a major expense and many times left me without money to pay utility bills and buy food. In XXXX, XXXX my husband had a XXXX XXXX. His company outsourced their tech services and the technicians were picked up but at a cut of {$10000.00} less in their salaries. I contacted Great Lakes again in XX/XX/XXXX as I was not able to make the payment. The agent asked me if I thought of submitting a reduction in payment application or whatever it is called and I told her that I did that last year, but the effort and annoyance only yielded me {$100.00} less, barely. She gave me an estimate over the phone based on the information I could provide which was significantly lower than what I was currently being asked to pay. I had the paperwork of everything she used to get the estimate, so my numbers were accurate. Again, I submitted my information and on this past Friday received notice from Great Lakes that on XX/XX/XXXX my payment would be {$1500.00}. I sincerely believe Great Lakes is intentionally causing significant interest accumiliations on my student loan account. As it is, my account has swelled significantly since dealing with them. I am so disgusted with them. No company can be this inept and continue to operate millions of dollars. How much has their inability to process my request cost me, twice over, in interest costs. The fact that I have another student loan separate from this one allows me to receive a reduction. I am not even able to complete my doctoral work because I have taken my all of my classes less 1 credit which I need when I defend my research findings and need to finish my dissertation but the student loan system does not allow a stop on your loan if you don't take two courses. Now XXXX College is requiring you to be enrolled to defend your proposal and I can't afford with my student loan payments. 

I hope CFPB can help me to acquire doable solution.
Product: Credit reporting or other personal consumer reports

I have been having a problem with a financial services provider since XXXX ... Contacted them multiple times, filed with CFPB, and filed with Experian. NONE or them will correct the inaccuracy. Under FCRA, the function of a credit repository is to insure the " accuracy and completeness, '' per Experian 's OWN information they've now sent me XXXX ( XXXX ) times ( copy attached ). However, they will NOT enforce the " completeness '' portion regarding XXXX XXXX XXXX DESPITE the fact I have provided them documentation MULTIPLE times. They repeatedly response that the creditor ( XXXX  ) has verified the info is correct. Yes, the one " good '' line ( loan ) is, and the XXXX ( XXXX ) delinquent loans XXXX is reporting are accurate. HOWEVER, despite the fact I provided loan numbers AND documentation, Experian apparently does NOT want to upset a " dues-paying member '' ( i.e. XXXX  ) by forcing them to report COMPLETELY, so they just continue reporting that XXXX  " verified '' ( lied about ) the accuracy ... What about the COMPLETENESS of their reporting tho, the other XXXX " good '' loans that are missing, no credit for my XXXX score??? I then sent them ( Experian ) a XXXX page letter ( copy attached ), which they received last Thursday, XX/XX/year> ( verified ). However, they have NOT only again refused to update their records to reflect COMPLETE information, they have ALSO NOT included my XXXX personal statement ( within the XXXX word limitation allowed under FCRA ). I am confident it is not included in my report because I have called them out in my statement as being complicit ( with XXXX ) by not requiring completeness. IF they are not going to report COMPLETELY, I at least want my personal statement I submitted included as part of my report, and as I am allowed to submit under FCRA, and as ( I believe ) they are REQUIRED to include as part of my report.
Product: Debt collection

Sent A Debt Validation Letter To Company Caine & Weiner, Company Has Still Not Submitted Proof That I Ever Signed Any Documentation Or Entered Into Any Agreement With Their Company And/ Or That The Company Is Licensed In The States That I Lived. Company Is Not Licensed To Operate In The States Of FL, Texas Or North Carolina. Company Has No Legal Right To Try And Collect On Alleged Debt, This Collection Account Needs To Be Removed From My Credit Report Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the XXXX XXXX  regarding this matter. Please see attached documents and letter for referenced issues from above.
Product: Credit reporting or other personal consumer reports

Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Reporting on my credit report as a charge off/collection with no reported information only thing it has it date reported which is XX/XX/2024.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I requested a complete payment history of these accounts for me to review the exact date on which the late payments and collections were posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THE FOLLOWING MIDLAND FUND ACCOUNTS FROM MY REPORT IMMEDIATELY : MIDLAND FUND ( Original Creditor : 01 XXXX  XXXX  ) XXXXBalance {$470.00} MIDLAND FUND ( Original Creditor : 01 XXXX  XXXX  ) XXXXBalance {$690.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX A ) XXXXBalance {$780.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX XXXX ) -XXXXBalance {$840.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX  ) XXXXBalance {$530.00} MIDLAND FUND ( Original Creditor : 01 XXXX  XXXX  ) XXXXBalance {$370.00} MIDLANDMCMXXXXBalance {$370.00} MIDLANDFUN-XXXXBalance {$840.00} MIDLANDFUN-XXXX-Balance {$840.00} MIDLANDFUN-XXXX-Balance {$690.00} MIDLANDFUN-XXXX-Balance {$470.00} MIDLANDFUN-XXXX-Balance {$530.00} MIDLANDFUN-XXXX-Balance {$780.00}
Product: Debt collection

Midland Credit Management keeps sending threatening lawsuit messages. This debt was discharged by XXXX and sold to this company I have NO contract with this company and have asked numerous times of proof of a contract with them which they have no provided I owe Then {$0.00} as my debt was discharged by my bank I want Them to stop sending lawsuit notices and threatening me over email and mail. Please help XX/XX/2023 for {$55000.00} Continuing to fraudulently threaten me No wet signature contract! Liars!
Product: Vehicle loan or lease

To whom it may concern purchased a XXXX XXXX XXXX the vehicle at hand had XXXX  mils  on the dashboard the fianc company was XXXX XXXX located in XXXX Michigan this company accepted our loan for 36 months the price ov the vehicle was {$9600.00} the amount ov {$5000.00} dollars was put down as the bank said it was a fee to fianc the companys policy was agreed to fianc this vehicle it has now been paid in full lien was lifted as XXXX XXXX this company has marked this as a repo when the vehicle was picked up by the bank the vechile was 3months or  less toward in the term me and the co-signer has contacted this company about the credit reporting follows this companys accounting department has Extened this inaccurate info to the 3 major credit Beuarus as a repossion we have tried to contact this fianc company about this the company also the credit breaus will not remove this issue off the 3 Major Credit Beaures we would like this sent over to transunion also to be removed for not acknowledging the time line that this repo is being reported almost 11 yrs I will present a copy ov the letter stating that the installment contract lien was lifted and paid in full this is causing more problems because Im getting denied credit dee to this error I would like for it to be removed because the date info is way past the fair credit act that is  being extended from XX/XX/XXXX till XX/XX/XXXX we no longer have the installmentoan Im have not received any info from the credit Beuarus that this has been removed and also the the other party that is apart ov this issue I want this removed immediately
Product: Debt collection

There are XXXX items listed on my credit file which the date of last activity was back in 2007, is n't there a law they are only allowed to report for seven years this company is not following the law. I disputed several times with the credit agencies and the items are still listed
Product: Credit reporting or other personal consumer reports

Someone has been using my information and using an address I never lived at. 

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: Debt collection

Letter received from AMSHER requesting a payment from a debt they say I owed, they are a collection firm. I sent a letter to AMSHER within the 30 day time period, requesting further validation of this alleged debt and received no response. I did see an entry on my credit report that this is listed as a collection.
Product: Checking or savings account

Wells Fargo charged me money to withdraw the balance that existed in my account. i requested to have my account closed. Two days later my checking account showed a negative balance from a transfer that I could not have done because the existing balance was XXXX. they tried to charge me extra money from this transfer I did not request from an account that was empty
Product: Credit reporting or other personal consumer reports

XXXX CREDIT REPORTING AGENCY REFUSES TO FOLLOW THE LAW AFTER I SUBMITTED A IDENTITY THEFT POLICE REPORT TO REMOVE AND BLOCK FRAUDULENT ACCOUNT FROM MY FILE. THEY REQUESTED THE POLICE REPORT AND I PROVIDED IT HERE IS THERE REQUEST
Product: Debt collection

Midland Credit calls 2 or more times a day. I block the number but then they use another number this had go on for about a year. I dont remember doing business with them or having any outstanding debts, but they never leave any information as to the reason of calling, they just call and cal Just constantly calling everyday even on holidays.
Product: Debt collection

XX/XX/2019 - I received an e-mail from American Express stating " We've received your payment '' for {$50.00} - I have not made any recent payments to American express. 
- I contacted American express via their online chat, and they stated, " I can see a {$50.00} payment was initiated using our phone number. It was not intitated by Amex. It's a Manual payment made using our Pay by phone number. '' - I advised American express I had not made any payments by phone. I have not authorized any payments. I advised them to cancel this phone payment as the account it was posting to has no funds available. 
- American express then advised, " I can see your account has been transferred to XXXX XXXX, so need to have a word with them for it. You can call XXXX XXXXXXXX XXXX at XXXX for more info on it. '' - I replied to American express stating the payment shows directly from American express in the e-mail not a third party company. 
- American express made no further responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you guys regarding some things on my credit that is not mine. I went to the XXXX dealership and test drove a XXXX. I really need a car so I went home and checked my credit report just to make sure my score was ok. While doing so I noticed a couple of items on my credit report that are not mine. I have contacted my local police and the FTC. I need these items deleted from my report. XXXX, XXXX, THE BUREAUS, XXXX, XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding the ongoing inaccurate reporting of an account that has been charged off and is being improperly reported on my credit report. This charge-off is being reported as a new charge-off each month, the continued reporting of this balance is inaccurate, and the account is showing a balance of {$440.00}. As a charge-off account, this balance should not be reported in this manner. This charged-off account is in clear violation of the Fair Credit Reporting Act ( FCRA. 



According to the Fair Credit Reporting Act ( FCRA ), section 623 ( a ) ( 5 ), information furnished to the credit reporting agencies must be accurate and not misleading. A charge-off should be reported as a single event on the date it was first charge-off and not as if it were a new event each month. This is inaccurate and has caused significant and ongoing damage to my credit report.

I have already disputed this issue more than once with the credit bureaus, but the inaccurate reporting persists. Therefore, I am requesting the CFPB to intervene and compel XXXX XXXX to remove this inaccurate charge-off account from my credit report entirely. The continued reporting of this account in its current state violates the FCRA and is causing ongoing harm to my financial reputation. 

Thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine, I noticed them when trying to make a purchase. 

XXXX XXXX {$8000.00} opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$3100.00} opened XXXX. XXXX 15 u.s.c 1681 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Money transfers

western union repeatedly charged me XXXX per transaction when I would send money theru theyre website where i was offered a {$5.00} sending fee they said they reimburse never did
Product: Checking or savings account

On XX/XX/2022, my direct deposit has not been put in my account. The only answer they could give me is that they do not know when the problem will be fixed and it has been happening for two days. They also will deliberately post other transactions first throughout the past few months in order to constantly access unnecessary fees. Here it is 2 hours away, I made a payment arrangement to pay XXXX XXXX and my lights will be cut off because of their lack of urgency to get any issues fixed.
Product: Credit card

I made two payments that have not accredited to my balance. They have also incentives and awards that have not credited to the rewards for use. They separate purchase so you cant earn the rewards. And block you from using the offered discounts at the time of purchase. Something is really wrong and gimick. Its almost like theft.