23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I received an alert from XXXX that Midwest Recovery Systems placed a negative item on my credit report. When I called them, they said I took out a loan from XXXX XXXX XXXX in XXXX of 2011 and that I owe {$660.00}. Midwest Recovery Systems did not send me a letter about this debt before this negative item was put on my credit report. In addition, I do n't remember taking out this loan. Also, Midwest XXXX XXXX is not licensed to do business in XXXX Illinois, so the loan is invalid.
Product: Money transfer, virtual currency, or money service

{$220.00} was sent through Western Union to XXXX. Email containing the tracking number was hacked and a Western Union agent released the money to a person who was not the designated recipient. A letter in response to my complaint stated that according to their records the money was released properly. They would not refund the money.
Product: Checking or savings account

Many thanks for your help. Most of the stolen money was paid back except around {$8000.00}. Thank you again and it is nice and comfort to know that federal bureau looking after consumers.
Product: Debt collection

I am being contacted by debt collection company on behalf of XXXX in the amount of over {$5000.00}. for internet and telephone services. I am a XXXX XXXX XXXX woman who only used the computer to visit XXXX, access my XXXX account and pay bills online. I did not download or stream movies so I can not understand the amount being requested. I requested documentation that would provide me with a better understanding but only received a letter stating I was responsible for the stated amount. I am asking for assistance to help me understand my responsibility and achieve a speedy resolution to this matter.
Product: Debt collection

Mr XXXX from direct recovery service called me about a debt from XXXX  XXXX. When I didn't call them back they called my parents on XX/XX/2020. I called him and got the information from him. His number to call back is XXXX ex XXXX. The reference number is XXXX. He offered me a reduce debt at {$130.00} for the XX/XX/XXXX loan of {$410.00} the loan is from XXXX. I called XXXX XXXX to see if I owed them money and it was paid off XXXX, I owe them nothing and it's a fraud attack from Mr. XXXX and the direct recovery services. Please do what is necessary to stop my harassment.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of eetoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$14000.00}, XXXX XXXX balance {$750.00}, XXXX XXXX {$810.00}, XXXX XXXX collections balance {$490.00}, XXXXXXXX XXXX XXXX balance {$610.00}, XXXX XXXX  balance {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a bankruptcy reporting on my credit report, which they have said to received that info from a third party. nonetheless I have contacted them several times to delete the bankruptcy as it is many violations of fraud, infringement of privacy extortion and racketeering which can be considered a RICO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have files numerous disputes and disputes by mail and online disputes about an account by the name of XXXX XXXX XXXX. This account is being reported on two of my credit bureau reports XXXX and experian. This account must be deleted as this does not belong to me and they have failed to investigate properly and have not followed protocol. I have also asked them multiple times to investigate and this account always comes back as verified with no information as to how they verified.
Product: Money transfer, virtual currency, or money service

The check from Western Union was deposited into wrong account
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$7200.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting

I have a few problems lately with equalifax one is in XXXX they reported a change of address that drop me XXXX points which i have had the same address for the pass 5 plus years on my report then i dispute a collection iteam on my report which was remove then put back on so i drop XXXX points on my score plus there are XXXX judgments that are not on my our reports XXXX or XXXX and they are not my its unfair that i am being treated like this again my other credit report agency are reporting correct how exqulifax is reporting false information is unacceptable i been continuly been disputing these iteams with no resolved. What ever help your agency can do to restore my credit file will be greatly appreciate. Thank You XXXX XXXX
Product: Student loan

In XX/XX/XXXX I enrolled in XXXXXXXX XXXX XXXX. I attempted to cancel several times. Received confirmation of cancelled class in XX/XX/XXXX. They did not offer the type of service advertised and my advisor was in XXXX which made it difficult to communicate. XXXX contacted me on XX/XX/XXXX to sell the loan for 1 month of service to XXXX. ( Only did classes up to unit XXXX ) I responded to them on XX/XX/XXXX highlighting that I did NOT consent to financing one month of service with XXXX  I called XXXX  on Friday XX/XX/XXXX. To get more information on the loan. They refused to confirm loan amount, they refused to provide any assurance that they would resolve this issue. I highlighted several times I did not consent to financing this amount. I am making this CFPB complaint because I don't have any idea what terms XXXX  signed me up for it what fraudulent information they provided. I consented to financing the whole class at enrollment but once cancelled I had to pay for the time I was there due to XXXX  XXXX agreement with XXXX XXXX  took on this loan knowing it was likely fraudulent since it's outside of their standard financing agreement. 


XXXX  sold this loan to XXXX Connect for servicing. I received no notification of service transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( 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 XXXXXXXX XXXX.US DEPT OF ED/XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT OF EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered multiple fraudulent accounts on my Experian credit report that were opened without my authorization due to identity theft. These accounts include XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX others, totaling over {$100000.00} in fraudulent balances. 

Upon realizing the fraud, I immediately filed an Identity Theft Report and submitted a dispute with Experian on [ date ], requesting the immediate blocking and deletion of these fraudulent accounts under FCRA 15 U.S.C. 1681c-2. According to federal law, Experian is required to remove these items within four business days of receiving my dispute. 

Despite providing all necessary documentation, Experian has failed to remove these fraudulent accounts from my credit report. This ongoing failure has negatively impacted my credit score and financial standing.

I am requesting the CFPB 's intervention to ensure that Experian complies with the Fair Credit Reporting Act ( FCRA ) and immediately removes these fraudulent accounts from my credit file.
Product: Mortgage

In response to XXXX XX/XX/XXXX response XXXX. The company finally provided a breakdown of how my payments were applied for XXXX & XXXX. I still have concerns about how my payments were applied but I will try to get a resolve from the company. 

I have signed and notarized the Partial Claim documents as instructed in the XXXX response. Ive returned the original document, plus two additional copies to the address provided in the response. The post office confirmed receipt of delivery on XXXX - see attached document. 

Just to confirm what youve explained in previous complaints, an extra two months of mortgage payments were added to the partial claim amount to allow for processing, and that I am to skip making payments for two months while the partial claim is being processed. Please confirm that youve received my documentation and when I should resume making monthly mortgage payments.

Ive tried to confirm the info by calling your office. I spoke to XXXX on XX/XX/XXXX at XXXX PST and she advised me that I had to speak to the special loan department. I was then put on hold and XXXX came back saying she needed to transfer me to Loss Mitigation. I was placed back on hold another 6 minutes of silence then an automated message played advising someone would be right back with me. After 10 minutes, XXXX answered. I asked XXXX if my Partial Claim documents had been received and processed. XXXX asked when I had mailed them out. I advised her that the United States post office confirmed the documents were delivered on XX/XX/XXXX. XXXX says she would check the system. I waited and after 5 minutes she advised me that she needed to place me on hold. XXXX then asked me which documents I sent back, after I explained which documents Id returned. XXXX then asked what address Id mailed the documents to. I advised her that Id mailed the documents back to the mail to address in XXXX, TX on the Partial Claim documents provided in the companys XX/XX/XXXX response. XXXX then stated that she didnt know if that was the right address? She then asked me if I was sure the documents Id returned were not a loss mitigation packet?? I asked to speak with a supervisor, XXXX said she would try to get one and placed me on hold. XXXX came back 5 minutes later asking if Id take a call back. I explained to her that in the 50 or so times Ive asked for a call back I have yet to receive even one call back.

This feels like Im going thru the exact same madness I went through as explained in my very first complaint.
Product: Credit card

Amazon Chase Rewards card will not post my payment to my account. I have called them several times asking why the payment did n't post yet and I was told that the payment got lost in the mail. Now Amazon Chase is debited my card with late payment fees. I paid with a post office MO and now my account is going into over draft status. Please help me!
Product: Debt collection

A balance of {$220.00} from XX/XX/XXXX-XX/XX/2015 was incurred by my estranged wife, the XXXX cable account was cancelled as of XXXX/XXXX/2015 and the account was affiliated with my wife 's social security #. Now on XX/XX/2015 I find that a collection agency has place a negative entry into my credit report. I asked XXXX to contact their collection agency, They neglected my request.
Product: Credit card

For the past week or so, any attempt to pay with my debit card through a website or app has been declined. I have tried through multiple vendors, ( XXXX, XXXX, XXXX ) and each one is declined by the bank. I have had funds in my account each time I have tried to make payment. The card seems to work fine for in-person transactions, I was able to purchase at restaurants during this time frame. 

Today, XX/XX/year>, I called in to the customer service line for Money Network Services. I was inquiring about the issue of not being able to use the card online. I was informed that they were able to locate the denied transactions. They said that " no reason is given '' for the declined purchases. One of the representatives informed me that there is a " technical error '' causing the issue, and many cards are unable to process online. 

I was given essentially no solution to the issue. I was told to use another payment method, which is difficult, as this is my main account. She also told me that there was no estimated return of service, and it could be any amount of time before it is fixed. I was offered no other options, other than to use another card with another bank. I find this unacceptable, as I am unable to use the money in my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Section XXXX of the XXXX Civil Practice and Remedies Code The statute of limitations on debt in XXXX is XXXX years. 

Under this act this account is reporting pass the the statute of limitations. 

Also under Section XXXX of the XXXX XXXX XXXX This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations for debt buyers. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired in which this company violated my rights but updating it as new debt in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN TRYIN REPEATEDLY TO REMOVE AN UNAUTHORIZED ADDRESS FROM MY EXPERIAN AND XXXX CREDIT PROFILE FOR XXXX  YEAR NOW. IVE CONTACTED THEN BY PHONE, LETTER, AND EMAIL STILL NO POSITIVE RESULTS. I ALSO HAVE UNAUTHORIZED INQUIRIES.
Product: Checking or savings account

My Capital One Bank account was used without my authorization. There were several fraudulent charges made on my account from New York whilst I was home in Louisiana. I attempted to settle this issue with Capital One Bank but they deemed that no fraud occurred. This is not the case. I did not make these charges. The charges are : XXXX online on XX/XX/19 {$24.00} XXXX XXXX XX/XX/19 {$78.00} XXXX XXXX XXXX XXXX XX/XX/19 {$320.00} XXXX XXXX NY XX/XX/19 {$69.00} XXXX XXXX NY XX/XX/19 {$26.00} XXXX XXXX XXXX  NY XX/XX/19 {$12.00} XXXX XXXX MI XX/XX/19 {$24.00} XXXX XXXX XXXX XXXX LA XX/XX/19 {$32.00} and XX/XX/19 {$80.00}
Product: Credit reporting or other personal consumer reports

some of the information in the credit report is not mine. I was a part of the Data Breach and deserve to have accurate information Also, there was a charge off for XXXX XXXX XXXX and a charge off is considered income and can not be reported and must be removed. Because it was charged off Experian filed a 1099c and got a Credit at the end of tax year. which I Requested a copy. So, once a gain I'm need a copy of the 1099c that was filed with the IRS
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I FAX AND SENT EQUIFAX A LETTER, EQUIFAX HAS REMOVED 4 GOOD ACCOUNTS FROM MY CREDIT REPORT. THIS HAS DROPPED MY CREDIT SCORE. ATTACHED IS ONE OF MANY LETTERS SHOWING THE ACCOUNTS NUMBERS AND DATES THAT EACH ACCOUNTS WAS OPEN ... WHY WOULD EQUIFAX DO THIS TO ME.
Product: Debt collection

The Harvard Collection Services LLC flagged my XXXX account. I don't understand why this was sent to Collections. I made several attempts to obtain information on this debt. I called several times after speaking to an individual by the name of XXXX, she was very rude. After that attempted to call several more times but never got through to anyone I also sent via United States Postal Service 2 letters in which I did make screenshots of the letters as well as screenshots of me placing it in the mailbox of outgoing mail.
Product: Vehicle loan or lease

Loan paid off through auction but total loan amount is still reporting negatively which has prevented me in getting a new car loan? 

This is what its currently reporting but the entire loan has been paid off? 

You've paid off 26 % of the original amount. 
Balance {$20000.00} Highest Balance {$27000.00} Monthly payment {$670.00} Opened XX/XX/XXXX ( 4 yrs, 6 mos ) Term 74 months Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Automobile Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times 30/60/90 days late XX/XX/XXXX Closed XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries ; I lack any relevant information, and the company proceeded without my authorization.
Product: Debt collection

Ordered a guitar online from XXXX XXXX ( XXXX XXXX XXXX XXXX, Minnesota XXXX ) which never arrived. Company said I had to fill out a police report despite having NO proof of delivery. I disputed with XXXX Visa - and WON the dispute. Yet - they still email AND call me EVERYDAY.
Product: Credit card or prepaid card

I have had a XXXX Barclay Master Card since Barclays started the program. Prior to it was with XXXX. I am a current card holder in good standing with an XXXX credit rating. I applied to upgrade my card to a fee based card with better bonus benefits. I received a letter stating if I did n't respond in 30 days my request would be cancelled. they asked for an original con ed bill from my residence, a copy of my drivers license and a copy of my social security card. I sent the con ed bill and the drivers license and a copy of my XXXX card which is issued from the same governmental dept. everyones XXXX ID is their social security number. either they are cherry picking or discriminating Bafclay refused to accept the XXXX  card. they would not take anything printed from my social security account from the website or a statement showing my social security payments. I do not have my social security card and would require to visit an office to obtain. This makes no sense! XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct XXXX XXXX, XXXX Acct # 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, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet, Dept. of E d/Nelnet, and Student Loan Servicing stating   XXXX   XXXX   XXXX   XXXX  , and  XXXX   XXXX  known as  XXXX   XXXX   XXXX  on credit re ports. Nelnet stat ed in the attached letter by  XXXX   XXXX  from  Nelnet ( see at tached letter ) that all loans were excellent and they reported that to the credit reports but the credit reports reflect delinquent negative and missed payments only.   * Loans were consolidated by Federal Loan Servicing in excellent condition ( see attached ) reflected in letter but not reflected on credit reports * Loans have been on the credit report since   XXXX   which is 7 years and legally should be removed unde r Fair Credit Report Bureau but they have manipulated the records the records to make it look like it is less than seven years but I have the origina l that states missed payments since   XXXX    ( see  attached ).    * All paym ents were missed since   XXXX   and the total reflected missed payments since no payments made and can be removed since it has been 7 years and this manipulation of records is illegal * The fact all loans were doubled and in some cases tripled to make my credit look worst is fraudulent. The letter by  XXXX   XXXX  proves that I only had  XXXX  loans but my credit report shows  XXXX   XXXX  negative credit reports fraudulently I need to have account numbers to see if things were double paid and why they are reporting things double the time * Missed payments keep changing too and that is ironic.    * Student Loan S ervicing known at   XXXX   XXXX   XXXX   XXXX   is still derogatory is collection and  XXXX   XXXX  known as   XXXX   XXXX    XXXX  is collection when they were paid off and taken care of and have been in excellent standing since last yea r by Nelnet and a f ew months ago when  XXXX   XXXX   XXXX  took over shows excellent standing but that is never reflected on the credit report and that is the only thing that is true ( see attached no delinquencies   XXXX   XXXX   XXXX   )
Product: Money transfer, virtual currency, or money service

I signed the contract when I made the money transfer. The contract did not stipulate any right of Western Union to refuse the transaction. Their guarantee stated the funds would be with the recipient within one business day. After the recipient ( whom I have used in the past for a tour in XXXX ) let me know they could not access the funds, I called Western Union to find out the reason. They refused the transaction but could not specify where they had the right to proceed with this action. When I asked the manager ( XXXX xXXXX in XXXX, XXXX ), he hung up on me!

Along with blatantly poor customer service, they guarantee funds will be transferred, make you sign a contract that stipulates their fees, but no where do they say they can refuse the transfer of funds. They should be liable for the delay of funds as their guarantee is useless.
Product: Vehicle loan or lease

After careful research I obtained information about violations this company committed in taking possession of this said vehicle. There is a deficiency balance left after the vehicle was sold of {$6400.00} and according to the Texas Business and Commerce Code 9.612, I was not informed of the sale of the vehicle by phone, mail or email so there is no proof of where this balance is from, As a consumer I didn't receive any notices after the repossession had taken place and furthermore this vehicle was taken from a gated community without the creditor 's permission to enter. Several violations took place and the situation needs to be rectified.