23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

According to the Fair Credit Reporting Act 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. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to First Credit Services, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) Never 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 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. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I also requested First Credit Services to fill out a form 1020 and return back to me and still haven't gotten it.
Product: Student loan

On XX/XX/year>, I received an email from the Missouri Higher Education Loan Authority ( MOHELA ) stating that my " federally-owned loans serviced by MOHELA transitioned to MOHELA 's new student loan servicing platform. '' The email directed me to a create a new online account. After creating a new account, I noticed that my past payments to MOHELA were not shown in my payment history. 

That day, on XX/XX/year>, I called MOHELA and asked a representative why my payment history is missing. The representative said that there is no access to my past payments online due to MOHELA 's transition to the new platform. The representative then said that they can submit a request to have all my past payments mailed to me. I agreed, and the representative said they submitted the request and told me that my payment history will arrive in the mail within 7 to 10 business days ( i.e., by XX/XX/year> ). 

Later that same day, on XX/XX/year>, I called MOHELA again and spoke with a second representative to confirm that the first representative gave me accurate information. The second representative confirmed that a request had been submitted to have all my past MOHELA payments mailed to me within 7 to 10 business days ( i.e., by XX/XX/year> ). 

After the first request described above, I never received my payment history in the mail. 

On XX/XX/year>, I called MOHELA again and said I had not yet received my payment history in the mail. The representative said that the original request " was not submitted correctly '' and then re-submitted the request. The representative said that my payment history will be mailed to me in 7 to 10 business days ( i.e., by today, XX/XX/year> ). 

After the second request described above, I still have not received my payment history in the mail. 

To summarize, I have called MOHELA several times requesting a record of my payment history, since my payment history has disappeared from my account as a result of their transition to a new online platform. Despite calling several times and being told each time I called that I would receive my payment history in the mail within 7-10 business days, I still have not received my payment history. 

I am requesting that MOHELA finally send me a record of my entire payment history to MOHELA since they became my student loan servicer.
Product: Credit reporting or other personal consumer reports

I want to inform the XXXX and Experian Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and Experian CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

( See attached for full complaint ) I have enclosed personal identification and a copy of FTC report to prevent any further stall tactics from Equifax.
Product: Student loan

Due to the lawsuit I want to make sure that I am not one of the customers that has gotten cheated because no matter how many payments I make to navient my balanced only tends to go up never down. I did at one point call to get enrolled in the program that would help me be able to pay baised on my income. Please help me figure this out. I first attended XXXX XXXX XXXX and now attend XXXX.
Product: Credit card or prepaid card

On Saturday XX/XX/XXXX. I was at a kohls department store. I was talked into getting a store credit card. Under the assumption I could get gift cards. When I went to ring out they informed me that I couldn't get the gift cards. The lady at the store voided the order. I was suppose to get the charges fixed within 24/48 hours. 7 days later here we are and the charge is still there. The card company has told me twice now to come down and the store could fix it. I live 45 miles from this store. Now I'm out gas and the frustration. I want to get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquires on my credit report that I did not give my written permission to have pulled one being PSECU, along with several others I don't even recognize. 
I've filled a report with IdentityTheft.gov and also with XXXX XXXX XXXX XXXX. 
I will attach the report I've made with XXXX below. 

Also when I applied for my auto loan with the dealer they said that they would only be applying with XXXX of Texas, and that I would only have XXXX single inquiry. 
I never gave permission for any other inquries, I will list all below. 

XXXX, XXXX XXXX XXXX XXXX XXXX CARD SERVICESXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX XXXX. 
I never once even heard of " XXXX XXXX '' being used for my auto loan. 
As you can see it was pulled serval times on different dates. 
I would like all these fraudulent inquires removed.
Product: Debt collection

XXXX is trying to collect a debt that I'm already in a payment arrangement with another company for the debt they are suing me for. They are violating my rights as consumer by attempting to collect 2 times for the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I recently noticed that my FICO score ( which was over 830 in XXXX ) .. dropped XXXX points, as you can imagine, I assumed someone had infiltrated my personal information. 
You see, My 12 year old son went into XXXX failure in XX/XX/2019 and spent almost 2 months in the hospital and in XX/XX/2019, my mother died and I had to take care of all the details concerning her funeral, vacating her apartment and her burial ... needless to say, an extremely difficult few months. But after researching I found that Kohls dept store had reported a {$48.00} balance after I had paid ( via phone ) what the rep told me was due. As you can see from my 27+ years of using credit responsibly, this Kohls amount of {$48.00} that was not paid was unbeknownst to me at the time of my phone call with the company when I was told my open balance was {$290.00}, which I forthrightly paid. 
I am requesting a total reversal of this unwarranted filing ASAP. Thank you for your consideration
Product: Debt collection

A notice of cease and desist, as well as certified proof of contract was sent to Brown & Joseph , LLC on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me every day a couple of times a day, since the date listed on the notification letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed to express my disappointment in the way Comenity Capital Bank handled a good will attempt from me as the customer to resolve a missed / late payment that occurred in XX/XX/2019. I had the unfortunate experience of having my wallet stolen in XX/XX/2019 there within my identification, bank cards, credit cards and my bank account numbers were stored. As a result, I had to freeze my bank accounts and cancel the credit cards in preventative steps to avoid further incident. My monthly reoccurring Zales XXXX account payment was tied to my bank account and was automatically withdrawn on due date every month. During this distressful period of trying to monitor my accounts against fraudulent activity after the theft, closing credit cards and having them reissued I also had to switch the bank account I had on file setup for automatic withdrawal with respect to the Zales credit account. Therefore, a couple of payments to creditors were late that which included Comentity Capital Bank. Once the oversight was detected I immediately corrected the deficiency and made the payments that were unintentionally missed to the creditor. Regardless, Comenity Capital Bank has reported a 30-day late payment to the bureaus that I discovered later and my credit scores have been significantly impacted as a result. My credit history with Comenity Capital Bank was in excellent standing prior to this incident. I explained details of my situation in good will and faith to Comenity Capital Bank and to my astonishment no help was extended by Comenity Capital Bank even as a one-time courtesy, given the extenuating circumstances, to reverse the adverse reporting made to the bureaus. I was extremely disappointed at their refusal to reconsider my request given the circumstances.
Product: Payday loan, title loan, or personal loan

Solar Mosaic LLC | XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX | XXXXXXXX XXXX XXXX XXXX License XXXX Should stop money given to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I am owed two months of reimbursement for XXXX for each month. XXXX XXXX stated that I was going to get reimbursed until Solar Panels are active and Solar Mosaic would not charge until Solar panels where active.
Product: Debt collection

Reached out to Barclay on XX/XX/year> @ XXXX with XXXX regarding options to settle a debt. Offered to payonline but she said it was too old of an account. And said she would need to send me a letter regarding info to settle amount of {$1800.00} which would be 45 % of debt by XX/XX/year> and i would need to pay by check. I did not receive letter. 
On XX/XX/year> @ XXXX, reached out again on status of letter. Spoke with XXXX, and he said he saw info regarding my conversation with XXXX. He said he would again send out letter as a 2nd attempt to send out letter. It is now XX/XX/XXXX, and I have not received letter.
Product: Checking or savings account

I was in XXXX on XX/XX/XXXX while at XXXX XXXX when I logged into public wifi to download an app for Music for the ride home. While driving back I received an email from what I thought was XXXX that stated the XXXX subscription was for a full year and it was going to charge my account. When i called the number provide the representative provide XXXX Id and Budge information as if they where really from XXXX, and advised that my apple ID has been compromised. This is when my account was access and XXXX was withdrawn on XX/XX/XXXX twice and another XXXX was withdrawn on XX/XX/XXXX from my chase bank account through XXXX, when filing the claim through chase they advised this was a scam. They told me to contact XXXX. XXXX ' only provided an automated system that pointed me back to chase bank and they were closing the claim and not refunding my money nor were stopping any fees attached to my account. Now I am getting phone calls four to five times a day about my account being over drawn when I am the victim. My fraud protection isn't protecting me from this at all. and Now I am worry about my Identity being taken as i don't know what else these people where able to gain access to. I have filed a police report and this activity is under criminals investigation and chase still will not open the claim and refund my money and remove the fees for the overdrafts. the police report intake form can be attached. I have talked to several in person branch and online over the phone managers and supervisors who give me the same generic answer of they will not reopen the claim. No one will help me and I don't know what else to do but this is placing serious deep anxiety on me and I hope to hear from some one soon. I have name and date of the supervisors i spoke with and the detectives information also.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Wells Fargo has reported inaccurate and inconsistent information to the credit bureaus regarding my mortgage account. 

Here 's what happened : Due to extensive flood damage to our home and FEMA declaring our county a flood zone, Wells Fargo 's Home Preservation Department approved three consecutive forbearance periods for our mortgage : XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX Despite these approved forbearances, Wells Fargo has incorrectly reported my account as past due since XX/XX/XXXX. This contradicts the terms of our forbearance agreements and violates the Fair Credit Reporting Act ( FCRA ). 

I sold the property at XXXX XXXX XXXX, XXXX XXXX, IL XXXX on XX/XX/XXXX, and the loan was paid off at that time. However, Wells Fargo has failed to update my credit report to reflect this payoff. The inaccurate reporting is inconsistent across all three major credit reporting agencies. 

As a result of this incorrect reporting, I have been denied refinancing for my current home and an application for a new mortgage, despite having an otherwise excellent credit history with no late or missed payments. 

I have requested that Wells Fargo : - Correct the inaccurate information on my credit reports to show my account was current during the forbearance periods. 
- Update my credit reports to reflect the loan payoff on XX/XX/XXXX. 
- Explain the inconsistent reporting across the three credit bureaus. 
- Confirm in writing that these corrections have been made. 

Despite my efforts to resolve this issue directly with Wells Fargo, the problem persists, causing significant financial harm. I am seeking assistance from the CFPB to ensure Wells Fargo complies with the FCRA and corrects these errors promptly.
Product: Debt collection

2 entries were placed on my XXXX  credit report from original creditor XXXX XXXX, handled by now debt collectot credit control in the amounts of {$560.00}, and {$1000.00} in XX/XX/XXXX, which bought my credit score down 50 points. I don't owe this debt and have asked for validation of this debt. I have not received!!! TODAY XX/XX/XXXX, they have placed yet ANOTHER entry on my report as an collection balance increase of {$150.00}, which bought my score down ANOTHER 25 points for the same unfounded debt for the same amount, I will attach all documents of this abuse. to keep hitting my credit report is UNFAIR and needs to be addressed
Product: Debt collection

National credit systems has lied about there availability to settle my debt! The company has refused to come to a settlement or agreement to reduce the cost and has refused to agree on a pay to delete agreement! They state they can not do this which is a lie. They have refused to escalate the issue to management, hung up on me repeatedly and have refused to call me back or email me back! I have already opened a case with BBB and looking for help from the attorney general as well and they have been unable to resolve my concerns!
Product: Debt collection

I contacted Southwest Credit Systems in XXXX to dispute this and they asked me to send them a dispute letter so they can have this removed from my credit files. I sent that in on XXXX/XXXX/16 and rec 'd confirmation they rec 'd it on XXXX. Now three months later the collection is still on my credit reports and is affecting my ability to get a refinancing done. 
I called them on XXXX/XXXX/16 and they told me to call XXXX to dispute it. I called XXXX and they confirmed it was fraud. The crook had my SSN and first name, but the last name and address were incorrect. They told me that since they sold it to the collections company, that I have to contact them. 
These XXXX companies are deliberately putting me in an unending loop. 
I have contacted Southwest Credit Systems to tell them again that XXXX says it was not my account. 
This collection is still not being removed despite the fact that it has been established as fraud.
Product: Debt collection

My son had an accident a few years ago. Without my authorization, he was flown by helicopter to the hospital. Afterwards I was told that I owed this helicopter company {$45000.00} for a 10 minute ride. This is ridiculous. I never gave them permission to transport him, and I was never told what the price would be before he was transported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account information with collection agency HUNTER WARFIELD is reporting account as open and amortizing interest penalties as missing monthly payments creating a larger negative monthly balance with missed payments on a closed charged off account from XXXX XXXX AT XXXX XXXX sold to HUNTER WARFIELD as a collection agency. 

I have disputed the information several times to only see that the amount will be changed by a fictitious amount to settle the dispute. Hunter Warfield accounting department laters readjust the account to reflect a missing payment and increase in my collection and continue to impose the amortized interest penalty on the charged off collection and report it as a open account on my credit report. This action is a predatory tactic by the HUNTER WARFIELD to do the greatest damage to my consumer credit report and violates the FDCPA guidelines for 100 % accurate reporting by a debt collector, namely HUNTER WARFIELD. 

The original charged off balance from XXXX XXXX AT XXXX XXXX lender is {$10000.00} as of my earlier credit reports dated XX/XX/XXXX. The account has a balance of {$13000.00} as of XX/XX/XXXX, due to the predatory monthly amortization penalty added on a closed collection account. This account is not a fixed loan or revolving account and has alien judgement and charge off.
Product: Student loan

I graduated from XXXX XXXX XXXX XXXX in XX/XX/XXXX and began working full-time in XX/XX/XXXX. At that time, I was under the impression that all of my student loans had consolidated onto the XXXX system. I was making on-time payments to XXXX and XXXX, which the impression that I was current on all loan repayments. 

However, in XX/XX/XXXX, I received a call from ACS ( now known as XXXX XXXX XXXX ) telling me I was delinquent on another loan. I had never received a letter or call prior to this. Immediately I made arrangements with ACS and made my first loan payment only two days later, on XX/XX/XXXX. This loan has been paid in full since XX/XX/XXXX. 

In reviewing my credit report, I realize ACS reported this late payment back in XX/XX/XXXX to the credit bureaus. ACS has not been communicative in reviewing my file even though prior to the delinquency phone call mentioned above, I had never received an email, mail, or phone notification of the past-due payment. Given that I was responsive when made aware of the situation, and since this loan has been paid in full, I am hoping to have this incident reviewed and possibly removed from my credit report. 

It is reported that the CFPB imposed a fine to Conduent for various reasons which includes faulty reporting processes and systems. I am also wondering if this may have had an impact on my file. 

Overall, I do believe I should have kept track of all outstanding loans. At the same time, this hasn't been an easy task with so many changes in providers, lenders, loan servicing agencies reaching out over the years. 

I am hoping that your team can help push a review forward and possibly have this late payment removed. This would clear up my credit history and undoubtedly help improve my credit standing. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

i used to have my weekly paycheck direct deposited to FNB of PA approximately {$2000.00} ... from which i pay my monthly bills. In XXXX and XXXX of this year the bank paid only half of my bills and declared my account closed. returning the checks and not paying the bill was only part of the troubles ... they didnt return my money. youd think that at least with the account closed my money would be there.and not only that, all the bills nit paid charged me late fees and it dinged my credit ... please help me