23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had a private student loan for the appx amount of XXXX dollars with XXXX XXXX XXXX in XXXX. The loan was sold to Williams & Fudge , Inc when I was not able to come up with a payment plan. XX/XX/XXXX I found employment and made a payment plan with Williams & Fudge to pay {$60.00} every 2 weeks for a total of {$120.00} per month. I paid this amount for the remainder of XX/XX/XXXX all of XX/XX/XXXX, XX/XX/XXXX and thru XXXX XXXX. I requested an interest statement from Williams and Fudge in XX/XX/XXXX to file my taxes they referred me to XXXX XXXX XXXX, I called them and they said when they sell a loan to a third party collector there are is no longer interest on the loan. I called Williams and Fudge back and asked why after 3 years of payments my balance was not going down they said due to the interest and additional fees. I immediately stopped the semi monthly draft and would like this to be investigated. I will never get the loan paid off and can not afford to pay the {$1000.00} per month that they are telling is required to reduce the balance. I recently received an interest statement from them showing that I paid interest on this school loan. It is all very confusing.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. This case happened last year. I was told by the bureaus to resend my documents which I have been mailing since last year because according to them the documents are either invalid or they never received them. Please help delete the fraud accounts and inquiries below from my credit reports. I have attached to this complaint my updated FTC reports, driver 's license, social security card, and proof of residency. Fraud accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX, XXXX. XXXX - XXXX or XXXX - XX/XX/XXXX - What would I do with XXXX XXXX XXXX? The account numbers also differ from each bureau but I suspect that they are the same account because of the open date. XXXX. XXXX or XXXX - XXXX or XXXX - XX/XX/XXXX - This also appears to have different account numbers but may be the same because of the open date. XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX, XXXX. XXXX XXXX - XXXX - XX/XX/XXXXXXXX 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 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 - XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a company I never heard of never done business with! I do n't recognize this account I cant find dates or balance available for my review.
Product: Debt collection

RE : XXXX First, you state I continue to allege the charges and interest are fraudulent. Because they are, whether you like it or not. The interest incurred on the original fraudulent charge is fraudulent ; despite the fact that you keep asking the entity committing fraud if theyve done it. And, I could care less if the entity committing fraud says Im liable. Of course, thats what theyd say. Theyre trying to XXXX. Whats more, it evolved from a merchant dispute to fraud once the seller lied about the quality of their product and their location, and when XXXX decided to follow through with the charge, despite the fact that the sellers website had been taken down for fraud, and the seller could no longer be contacted. Furthermore, your lack of evidence and circular reasoning is growing quite tiresome. Once again, claiming res ipsa loquitur just makes you look foolish. Lastly, as previously stated, I could care less if the scam artists at XXXX contacted the original scam artist seller before the website was taken down, and the seller verified the purchase. Once again, of course thats what theyd say. Theyre trying to XXXX as well. 

In conclusion XXXX XXXX The seller committed fraud by lying about the quality of their product and their location, and their XXXX information and countless reviews proves this. 
2. XXXX committed their first act of fraud by charging interest on the original fraudulent charge, despite proving the original charge was fraudulent. Then XXXX committed a second count of fraud by selling the fraudulent account to MCM. I did not authorize the seller to charge my credit card for the product received, nor did I authorize anything coming from the region the seller lied about being in. 

With that said, my position has not change. The above-mentioned account needs to be terminated immediately, and my credit rectified. The shady MCM collection agents need to stop harassing me as well. And, cool, you stopped reporting to the credit agencies ; as you should, it still doesnt fix the mess that has already been created by XXXX. This needs to be remedied IMMEDIATELY! Failure to do so will result in being contacted by the State Attorney, followed by legal counsel. 

Finally, MCM is not a reputable company. Ive read your reviews, XXXX complaints, etc. Youre scam artists as well, and this is just one big XXXX XXXX  where you clowns rip people off while daring them to sue you. Whats more, stop the condescending XXXX. You clearly could care less about how the scam youre running has inconvenienced me. If you really cared, youd stop scamming people. Truth is, youre a bunch of parasites. 

Quash this account and restore my credit IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is constantly reporting inaccuracies on my credit report monthly. I have contacted them about this account and their inaccuracies. The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies . By this company reporting immaculate information on my account, this has prevented me from moving forward to purchase a home. This account needs to be removed from my credit report. My credit laws are being violated and I want this account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XX/XX/XXXX I recieved a letter from my employer stating my wages were being garnished. I never received any documentation from this creditor. XXXX XXXX  XXXX are collecting for Capital One. I have two Capital One accounts with large credit limits and they have all my correct information. The amount of the debt is approximately {$1600.00} and surely if I was made aware of it, I would have paid it. All the information regarding the garnishment I was able to get from my employer HR site. My wife and I have reached out to XXXX XXXX  XXXX XXXX and let messages for XXXX XXXX. When we would return his calls because we both work he was not available. 

My wife and I spoke with XXXX XXXX on XX/XX/XXXX with XXXX XXXX   XXXX XXXX. She stated that we were service by a Sherrif regarding the debt owed. We were not. XXXX XXXX XXXX claims that they did not have to notify us of an attempt to collect a debt yet they said they just sent out a copy of the garnishment to our currect address. We offered a settlement on my account. XXXX stated that she would have to send the offer in to see if it was approved. We were told that there would be an answer at the latest XX/XX/XXXX. We told her if the offer was accepted we would pay the agreed upon settlement. XXXX stated she would be off on XX/XX/XXXX and that the fastest method to stop the garnishment would be to come into the office and pay. I told XXXX that my wife would stop by the office at XXXX XXXX on XX/XX/XXXX. 

My wife arrived at XXXX XXXX XXXX XXXX office at XXXX XXXX She explained to th receptionist why she was there. She proceeded to ask if she had the full balance owed to pay off the balance. She had no information of the offer. She explained to her that I was not paying the full amount and that I had spoke to XXXX and submitted an offer. The receptionist then called XXXX XXXX, who was walking by. Mr. XXXX stated he was off the clock and I was asked to come back in 30 minutes, with no regard to the XXXX XXXX decided upon meeting time. 

My wifea left a client 's jobsite in XXXX, Georgia to make it to XXXX XXXX   XXXX XXXX, a sixty mile drive all to not have my issue resolved. Not to mention the time and money she lost because she left work early to take care of this issue. So not only are my wages being garnished and my hours are cut due to Coronavirus but now she will be missing hours because XXXX XXXX  XXXX XXXX wasted our time. I have complained to XXXX XXXX  XXXX XXXX. We demanded to speak to someone about XXXX and XXXX, however we have not heard anything and we have not recieved the paperwork that XXXX XXXX  XXXX XXXX stated they were sending to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax to request my consumer report AND FILE. Equifax did not give me access to my consumer report AND FILE. Pursuant to the Fair Credit Reporting Act, I have the right to know what is in my file. I have the right to request and obtain all the information about me in the files of a consumer reporting agency, which is my file disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my flawless credit report was maliciously attacked by a Experian representative. A few months ago I have made a complaint through CFPB due to the agency not reporting my actual amount paid every month and was never resolved. Instead I received multiple remarks about disputed by consumer from the agencies. I can not recall if this had happened to my Experian report however, I decided to call all three and ask for these comments to be removed. Upon talking to the representative I was told to disclose my social security number which was verified and moving on into the conversation the representative said there was a lot of background noise and she could not hear me clearly. I stated I did not have speaker on and that I was commuting on a train. Suddenly she decides to ask me to verify my social security number again ( which I assumed was intentional because she thought it was funny as I was in public transit vulnerable to identity thieves ). I uncomfortably repeated my social security number AGAIN. Further into the conversation I asked her to remove all dispute comments from my report that probably wasn't there in the first place but told her I assumed there was because it had happened to my XXXX report. She told me there was no comments except for XXXX XXXX XXXX and I said okay that's fine forget it then. She put me on hold twice ( which I can safely assume she was talking to somebody to see how they could attack my credit report. My report now shows " This item was updated from our processing of your dispute in XX/XX/XXXX '' for my XXXX XXXX and XXXX accounts. As well as " This item was updated from our processing of your dispute in XX/XX/XXXX '' for my closed XXXX XXXX XXXX account and open XXXX XXXX accounts. I clearly stated that if it was fine leave it alone, but I guess she took it upon herself to deliberately sabotage my credit report. I pray to the lord that this call was recorded because this woman should be put to jail for at least 6 months and her supervisor. Please do ask for a recording of this incident before providing the details of what I said happened just in case they do something shady with it to cover their XXXX. ALSO every single account on my credit report now displays ( Your Statement " Y ITEM DISPUTED BY CONSUMER " ) My credit score took over a 100 point deduction because of this and it should be illegal what she and I assume her supervisor did to me. I admit I had kind of an attitude in the beginning of the call around the time she said there was background noise, but this is no way to retaliate to a good samaritan. I would also like to add my XXXX XXXX XXXX charged off account was suppose to fall off the report XX/XX/XXXX and I assume they must of did something to some how extend it to XX/XX/XXXX. The purge was supposed to be 5 years according to NYS and I remember making a call asking them and they told me XX/XX/XXXX so it better had not extended. Also I would like to say this is corruption at it's finest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and have fraudulent accounts that have been opened in my name with a companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for these fraudulent accounts to be opened in my name. The address on file does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed these fraudulent accounts as fraudulent accounts, and it is documented with the XXXX police department that, Im a victim of identity theft. There are also fraudulent addresses on my credit file reporting that are fraudulent addresses as well in which, I never resided at the addresses listed. I have those addresses listed on my FTC/IDENTITY THEFT REPORT as a fraudulent addresses as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this creditor. Im not going to be liable nor responsible for a fraudulent credit card account being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming these accounts as a fraudulent accounts, and these accounts need to be deleted/removed off of my credit files asap. These are not my accounts, and I shouldnt have to deal with an issue as such. I need assistance with having these accounts removed off of my credit files, and out of my name immediately.
Product: Debt collection

Jefferson Capital LLC sent me two letters by mail both were written in XXXX about a dept, but I trashed both letters because I thought they had the wrong person or address. 
I was later suited in court by them. When I went to court, I informed the Judge about the two letters, the judge ignored it and ruled in their favor. The judge in the case wrote on the judgement I didn't show up for court and now I have a judgment against me.
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 U.S.C 1681. Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX  Account name : XXXX XXXX, Account name : # XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

As a diligent consumer, I have been meticulously monitoring my credit report to ensure its accuracy and integrity. However, I have recently encountered concerning discrepancies related to Williams Rush & Associates, an entity whose presence on my credit report lacks clarity and legitimacy. 

The primary issue at hand revolves around the fluctuating amounts attributed to Williams Rush & Associates on my credit report. Despite my efforts to maintain a meticulous financial record, the figures associated with this entity have been consistently changing, leading to confusion and frustration. These erratic adjustments not only undermine the reliability of my credit report but also cast doubt on the integrity of Williams Rush & Associates ' reporting practices. 

Furthermore, I wish to highlight the absence of any contractual agreement between myself and Williams Rush & Associates. To the best of my knowledge, I have never entered into any form of agreement or engagement with this company. Therefore, their presence on my credit report is not only erroneous but also lacks a legal basis. 

This lack of a contractual relationship raises significant questions about the legitimacy of Williams Rush & Associates ' claims and the basis upon which they are reporting information to credit bureaus. Without a clear contractual agreement or authorization from myself, their actions appear unjustifiable and potentially in violation of consumer protection laws. 

In light of these concerns, I am taking the necessary steps to address and rectify the inaccuracies present on my credit report. I intend to dispute the information attributed to Williams Rush & Associates and request a thorough investigation into the matter to ensure the integrity and accuracy of my credit profile. 

It is imperative that credit reporting agencies uphold the highest standards of accuracy and fairness to safeguard the financial well-being of consumers. I trust that this issue will be promptly addressed and resolved to restore the integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill
Product: Credit reporting or other personal consumer reports

W/o recourse W/o prejudice 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax XXXX XXXX XXXX and XXXX are not maintaining reasonable procedures. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/2021 i got a email PDF from mr cooper stating that they addressed my complaint when i said they were falsifying information in relations to a XXXX modification. The letter and the XXXX enclosures are not representative of the EXACT situation there are multiple XXXX singed on different Years used to respond to this specified complaint there are multiple income sources that are attributed to Other modifications that were used to respond to this XXXX situation in which i was was referring to were Documents were kept and i was penalized for untimely filling or they needed more documents or it was because of affordability. The sheer disrespect of the law and magnitude of what this could represent is ALARMING. I CANT BELIEVE TAX MONEY IS GOING TO A FED ENFORCEMENT AGENCY THAT ACCEPTS BLANTANT MANIPULATON!!! look at all my complaints i know ive rambled etc but ive always referred to one specific instance and then would say this has been a ongoing situation. Now its right there in plain view they LIE and said its backed by XXXX /CFPB because they just reproduced documents that they always have had only to deny me when it suited their purpose .... when its affordability they claim i don't file on time when im referring to timeliness and produce proof then it its missing documents when i show that the docs weren't missing then i have to resign cause they need a new signature or they lost a upload on their server or affordability etc.. THIS IS MADDENING THIS IS A NIGHTMARE ... documents were never missing or lost unless they wanted it to appear that way!!