23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018, I was notified by XXXX XXXX, a credit monitoring company, that I had a debt that went into collections. At complete disbelief, I went to check out what this debt was in regards to. It was a collections from a company called " Miramed Revenue Group ''. On XX/XX/2018 I had called Miramed to find out what this debt was for. They refused to validate the debt or tell me any information as to why this was sent to collections. I wasn't going to pay on a debt I had no idea what I was paying for, or be scammed not knowing if it was even for me or valid of me to pay, let alone even notified for. I was never once notified of an outstanding debt or sent an invoice or even notification that I was going into collections. I found out the debt went into collections in XXXX for {$150.00}. I still wanted to see an invoice to see who I was paying or what I was paying for. I never received any of that. The collections agent said I couldn't get any written validation of the debt and I couldn't dispute the debt. How am I supposed to know what I am paying for?
Product: Debt collection

AES did not disclose the calls were not being recorded and I have recorded calls as proof. They are XXXX and I do not wish to deal with them. They are collecting for NCT but NCT sold my loans into investment which means they do not own my loan anymore, it is illegal to collect on this because they do n't own it. AES claims they do but I never received proof. NCT needs to remove all negative marks and marked as a paid in full because they no longer own it. NCT is famous for suing people for no reason it is illegal. I never signed any agreements with NCT, NCT is a debt buyer but AES claims they are my lender, they are not and AES knows this. AES is committing fraud against me by collecting on a loan that NCT is not an owner of.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ActThe list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 and XXXX XXXX  XXXX XXXX # 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 instructions15 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX i open account a choice priviledges card with barclaycard, i never had any problems and always pay my bill by auto pay. i previously reported this problem and barclaycard responded XX/XX/XXXX. The letter they sent proof they really are crooks and do not know what they are doing to customers.

I was not getting any statements from them and my card was on auto pay, i notice high amounts coming out of my checking account and even bouncing checks in my account, i called them and they told me a added walid eyada to the account and and i also changed my address which i certainly did not. problem they are still reporting this fraudulent address to the credit agencies.

They sent me a letter that all of the fraudulent charges were made from his fraudulent card, and they removed him from my account onXX/XX/XXXX, how ever he was still making charges thereafter, all the charges they have on my credit account was made after that date. They certainly need to credit back all the fraudulent unauthorized charges and credit back my account. Here are some of the charges XX/XX/XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$50.00} XX/XX/XXXX XXXX XXXX   {$1200.00} XX/XX/XXXX store {$150.00}XX/XX/XXXXXXXX XXXX {$480.00} XX/XX/XXXX XXXX  {$2600.00} XX/XX/XXXX XXXX XXXX {$3100.00}XX/XX/XXXX XXXX  {$1600.00} XX/XX/XXXX XXXX XXXX {$3000.00} just to list a few of these fraudulent charges
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Wells Fargo Dealer Services n it was a auto loan on a XXXX XXXX XXXX. On XX/XX/XXXX it was totalled out in an accident n my insurance company paid off the vehicle ( XXXX XXXX XXXX ) I had gap insurance just in case n they would cover any balance if needed. We recently in last year find out that Wells Fargo is saying there is a balance of XXXX n won't describe to use what the balance is but they are reporting to credit bureaus that the balance is XXXX dollars n they refuse to include manager of collection department, to correct balance. Me n my wife, XXXX XXXX XXXX both have disputed this n spoke to wells Fargo on several occasions n they say they will not correct nothing no matter what, they don't care, per quote! My wife discovered that Wells Fargo never followed through with a form they n only they have and send it to the gap insurance so they could pay off the balance on vehicle on XX/XX/XXXX. So my wife contacted the dealer got form n got it sent to gap n they paid off what they owed on XX/XX/XXXX And know they still want more money for late fees, ( which is there fault to begin with ) and won't update credit report. Even with XXXX XXXX treating to sue because of the fair credit reporting act. They still refused to update all credit bureau 's on me n my wife. They our breaking the law n for 2 years plus made me n my wife look like we don't pay our auto loan. I would like this be known n want Wells Fargo to update bureau 's all 3 on me n wife n show XXXX  balance paid in full as off XX/XX/XXXX And stop XXXX honest people over. Thank you. Please help I'm ready to sue the XXXX out of them.
Product: Mortgage

My husband and I reside in a XXXX family house that we have owned since XX/XX/XXXX. In XX/XX/XXXX, our former bank, XXXX XXXX XXXX, sold our house without our consent or acknowledgement to our current bank. During that time, our mortgage had tripled which left us unable to keep up with the payments. Our current mortgage was willing to work with us by advising us to apply for a modification. We did and had gotten approved. From XXXX XXXX to XXXX XXXX we have religiously paid our new mortgage payment on time. Never once late. As of XXXX XXXX, XXXX, our mortgage will raise from {$2600.00} to {$4800.00}. With our rental income of {$2900.00} and our Social Security of {$23000.00}, we can not afford to pay the new mortgage. Both my husband and I are XXXX. We would have a reaming balance of {$480.00}. Our water bill alone is {$500.00}. We are held legally responsible to provide water, public lighting, and maintenances to our tenants. We need help. I want to get out of the ARMS once and for all and have a fixed mortgage rate. I thank you for all your help. I truly appreciate it.
Product: Credit reporting or other personal consumer reports

On, or around, XX/XX/year> my personal financial information was accessed by an unauthorized third party posing as a government official/entity. XXXX XXXX and Affiliates posed as employees of the unofficial " Department of Government Efficiency '' and gained access to my personal federal financial information via the Treasury Department. As a U.S. Citizen, student who has received federal student aid, and as a current military service member in the U.S. Army, this was a gross violation to my rights to privacy concerning my financial information. My military pay checks, the previous disbursements of federal aid, and my sensitive personally identifiable information was compromised by individual ( s ) without consent, or authority.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Ive had multiple fraud prevention alerts on my credit which I only remove when I need to use my credit. I have made police reports, ftc reports, etc. 
I dont know where or how my personal information was leaked but it has been stressful to regain my life back. I have disputed accounts/ inquiries that I know I didnt make or have no idea where they come from. Ive been having a hard time with XXXX, transunion, and XXXX trying to restore my life Lately Ive sent in disputes for these accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Attached 4 pages of my report identifying all wrongfully reported information on my credit profile. With this request I demand Experian to delete and update my files. Only correct name is : XXXX XXXX, only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX please note the the correct address left without being highlighted by me is the correct one but please separate the 1 from XXXX XXXX 


Highlighted information on report is wrong, please delete. I'm attaching Driver License for your records and verification.
Product: Debt collection

I have been contacted by this company multiple times. The company they are trying to sue for is not on my credit files and i never owned a vehicle with the company in question. i went and submitted information to get a car years ago and never got that car from the company ( ended up getting a car from a family member ). it states i owe for the car but i do not owe. i disputed on my credit ( XXXX bureaus ) and which it was removed from all and would like this to be removed as they placed a public record on my account for a debt i do not owe. they also never let me know of the judgement as i looked up the paperwork and was sent to an address i have not lived at in 8 years. I live in XXXX, VA not XXXX, VA.
Product: Money transfer, virtual currency, or money service

failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent accounts from my credit report, the FTC has provided me with identity theft reports, please honor these reports and remove these accounts from my credit report
Product: Credit card

As I asked Citi credit card company why they closed my account they informed me that it was because one of my automatic payment got declined. I tried to explain to them that because of a fraudulent transection on my account my Citi checking account was placed on hold. As a result, automatic payment got declined. I further told them that that was the first time ever happened to my account and I have never missed any payment not even I was late to any payment. After all the explanation they did not change their decision, which eventually impacted my credit score to significantly go down. Even though, Citi bank let me open a new checking account, unfortunately cit credit card still did not change their decision. I believe, with all those excellent payment history it was completely unjust to close down my account just for one declined payment, which was not even voluntary. As the Citi credit company new that it was because my Citi checking was placed on hold for a fraudulent transection. for this reason I want my account back asap. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Kay 's Jewelry has violated my rights. 
15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 064 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Product: Checking or savings account

I was at a store making a purchase. I grabbed the wrong card, and it should have denied the charge. Instead my account was overdrawn. I never opted in to overdraft protection on this account ( or any other for that matter ). As far as I know, banks are required to have customers opt into overdraft protection as of several years ago. 

This account in particular is from my job. My tips are paid to this account. I didnt set it up or sign up for it. Ive just been using it since it was given to me by my job. 

This charge should have absolutely been denied, and now Im freaking out about overdraft fees. Sucks!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX This account does not belong to me. 

+ Associate XXXX XXXX | XXXX This account does not belong to me. 

+ Associate XXXX  XXXX IL XXXX | XXXX This account does not belong to me. 

+ Associate US DEPARTMENT OF EDU | XXXX This account does not belong to me.

+ Associate US DEPT. OF EDUCATIO XXXX XXXX This account does not belong to me. 

+ Associate NEGATIVE INFORMATION > XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX | XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX | XXXX This collection does not belong to me. 

XXXX XXXX XXXX, XXXX, IL XXXX
Product: Payday loan, title loan, or personal loan

I was under impression that XXXX loan would be repaid at XXXX and now it says payoff today XXXX and apr of 430 % how is this legal and dont give you the lender or third party of who loaned the amount
Product: Credit reporting or other personal consumer reports

I have already explained my concern in a previous complaint and was stonewalled by the company. I'm done working with them or negotiating. They have violated my rights under the FDCPA and ignored legitimate concerns. They did not disputed the information I provided showing the debt had been transferred and that they did not own the debt anymore. They only stated they were the original creditor. That says nothing but playing dumb by the financial institution. Securitization is governed by trust indenture act of 1939, securities act of 1933, and the securities exchange act of 1934. Their SEC filings explicitly outline they securitized personal loans. This would mean the debt would have to have been transferred to a securitization trust and THEY WOULD NOT BE THE OWNER OF THE DEBT. Yet they ignored my requests for validation of debt under the FDCPA. I'll file a complaint with the SEC as well. I know this doesn't really fall under their jurisdiction but the trust indenture act of 1939 does require transparency to investors and if they aren't complying with other applicable laws concerning the debts being securitized they are offering the SEC might be interested?
Product: Credit reporting or other personal consumer reports

Ive contacted affirm and stated thats not my account and they stated they can not do anything about that
Product: Credit card or prepaid card

Today, I applied online for a XXXX XXXX XXXX credit card. To complete the process I was required to call a toll-free number. A customer service representative reviewed my information and then asked for my social security number. I stated that I was advised never to give my social security number over the phone and I would never do so. I made three more calls and spoke to several other departments at XXXX XXXX, and got the same answer. They documented my remarks and said that they would refer them to a higher level and said my application was cancelled. I asked if the information I submitted online would be deleted and they said no. I told them I believe this is a violation of consumer rights and the practice should be stopped. No one should be required to give a social security number on the phone. And when an application is cancelled that information should be deleted from their database.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED HELP TO RESOLVE THIS PROBLEM I HAVE FRAUD PROBLEMS WITH MY DOCUMENTS AND I DON'T KNOW WHO DID THIS I NEED FOR THAT COMPANY TO DELETE THAT FROM MY CREDIT REPORT. 

ONE COLLECTION, AND TWO ACCOUNTS MADE VIA FRAUD. 

EXPERIAN : XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  XXXX  # XXXX XXXX  XXXX  XXXX  # XXXX