23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 I noticed a significant drop in my credit score. This is from SEQUIUM ASSET SOLUTION a credit collection agency trying to recover a {$750.00} debt for XXXX XXXX. 
The debtor is a XXXX XXXX using my social security number and living in XXXX Illinois. This is not me, I have never lived in XXXX and only last year moved to XXXX after living in XXXX. I currently in in Military XXXX XXXX at XXXX XXXX Illinois. 

This is the second time in a year that someone using my name and my SSN have owed money to a utility. 
the first time was earlier in the year and the debt was to XXXX and the address was in XXXX Texas ( I've never lived there either ) My former address was in XXXX XXXX Texas.
Product: Student loan

On XX/XX/2019 I tried to set up automatic payments with Wells Fargo XXXX XXXX to make timely payments and receive an interest rate reduction of .25 %. The primary route is to set this up online. When I click into " set up automatic payments '' I received the following error message : " ERROR You dont have any accounts that are eligible for this type of recurring payment in this view. To change your account view, go to Account Summary and make another selection from the drop-down menu. '' There are only two views to see " set up automatic payments ''. By clicking into  Account Summary and selecting : STUDENT LOAN ( the overall total loan balance ), or, by drilling down into a specific loan ( i.e STUDENT LOAN XXXX ). Regardless of the view, I was in, I was still running into the same error message. 

On XX/XX/XXXX, I spoke with multiple customer service representatives at Wells Fargo. I verified from the first customer service rep, that I was doing everything correctly, and they would then transfer me to someone who could set up automatic payments over the phone. Once transferred to a second customer service rep, and after explaining my situation, I was incorrectly transferred to the complaint department due to my frustration. I was then transferred back to a student loan customer service rep. This is now the 4th customer service rep I have spoken to. Again, I explained the situation. They apologized profusely as I was told they can not set up automatic payments over the phone and apologized that I'm not able to online. 

Consequently, I was told by the 4th customer service rep that I must manually fill out a form, that they would email to me, and fax it or take the form into a Wells Fargo branch and they would then fax it. I was told I can not email it back. 

It is XXXX and I am in my XXXX 's. I have never used fax, nor do I have readily available access to a fax. I'm not even sure where I could find one. This is an undue burden as Wells Fargo is making it unnecessarily difficult to set up automatic payments by which I would receive a .25 % interest rate loan reduction. 

I understand this is a small amount to a company like Wells Fargo ; however, over the lifetime of my large student loan, and others like me, this adds up to a significant amount of money.
Product: Student loan

I paid off my student loan with XXXX XXXX during the pandemic period. I requested a refund of all payments made during that period, and XXXX said they submitted that refund request on XX/XX/XXXX to the federal treasury. Then In XXXX they say they transferred my loans to aidvantage because XXXX is no longer going to be servicing student loans. Aidvantage says they have no information in their system about my loans and may not have any information u til the end of XXXX, the deadline to request refunds of payments made during the pandemic in order to qualify for the new student loan forgiveness is the end of XXXX, XXXX claims my refund request with the treasury no longer exists and aidvantage will have to request it again but since aidvantage says they will not have any information on my loans u til the end of XXXX by then the refunds will not be an option and I will lose the forgiveness. I found information online that stated a complaint with you could help me and cause me to get the refund in time, please help me get aidvantage to submit my refund request In time, they are not able to give me any information as they say my loan is not in their system yet but I have an email from XXXX stating they transferred it on XXXX XXXX. I have waited weeks hoping this would resolve on its own but now I a, afraid if I dont take action I will lose the loan forgiveness by missing the upcoming XXXX deadline for refund requests,
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account 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
Product: Mortgage

Freedom Mortgage has not given the title company my loan payoff amount so I can close on the home and payoff my home, which is in foreclosure. I am a XXXX and currently have a VA loan through Freedom Mortgage. XXXX XXXX has been calling/faxing Freedom Mortgage for an updated payoff amount since XXXX XXXX. It is not XXXX XXXX and the loan documents for the buyer are going to expire and each time I call Freedom Mortgage tells me they did n't receive the demand letter/they can not give us the demand letter or excuse after excuse. I am in danger of losing all my equity in my home and having a foreclosed home because Freedom Mortgage refuses to give XXXX XXXX the payoff amount. Freedom Mortgage has denied me a supervisor and they will not provide any other way to obtain this payoff.
Product: Debt collection

This was a medical expense for an expensive procedure that was eventually covered in full by my insurance. At first my insurance only covered the expense as out of network, but I filed an appeal and eventually got my insurance to cover the entire expense as in-network. The appeal process took a long time, but all the while I called XXXX the doctors office XXXX and the debt collector ( Allied Collection Services ) several times to inform them they will likely be paid by the insurance company, not me. I provided them with documents proving my claim was still under review by my insurance. They would n't even take them from me. 

The debt collectors response was to threaten me with over {$700.00} in legal fees and interest. They also threatened to report me to the credit agencies. In order to " avoid all of this '' they forced me to sign a Promissory Note for the debt that was still in dispute. Before I signed I added notes to the side of the Promissory Note saying they will not do any of the above if and when they are paid by insurance. ( see attached ). They obviously ignored that, as even after my insurance has paid in full they reported " my debt '' to the credit agencies as unpaid. 

I have forgotten bills before, and I have had the unfortunate experience of dealing with debt collectors before. However, I have to say this debt collector was absolutely horrible to work with. Their tactics are horrible, they care nothing of the circumstances of the debt in question, and do not hesitate to threaten all kinds of actions against you. Also, when you call or visit them they transfer you from person to person each without enough experience/authority to do anything other than repeat the above threats.
Product: Credit reporting or other personal consumer reports

I submitted a dispute for this account in XX/XX/year> and received a response from the credit reporting agencies indicating that the account would not be removed because it was verified. I am concerned about the accuracy of this verification process, as the account information is clearly inaccurate. Therefore, I am now formally requesting details regarding the method of investigation conducted, as outlined in 15 USC 1681i. 

Please note that I am submitting this request through the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with all applicable laws and policies. Given the circumstances, I am requesting a detailed explanation of the method of investigation conducted by the credit reporting agencies, as outlined in 15 USC 1681i. It is crucial to me that the reinvestigation process is thorough and comprehensive, considering my concerns about the accuracy of the initial verification.
Product: Credit reporting or other personal consumer reports

XXXX has written off more than what was charged off. that is not legal.
Product: Credit card or prepaid card

On XX/XX/XXXX I used my credit card to pay a doctor for a procedure on XX/XX/21. My credit card was charged and the doctor was not paid. My doctors office ran the charge again ( {$2700.00} ) and it went thru. My credit card charged me for the initial charge in which they did not pay the doctor and also the charged that amount again when the doctors office submitted the charge leaving me with a {$5400.00} total charge.

I have accrued redeemable points thru my credit card charges. I redeemed these points for Amazon e-cards one in the amount of {$10.00} and another In The amount of {$25.00}. I was sent invalid number for these cards and was not able to redeem them. In addition I was charged for 4 other Amazon gift cards which I never received. I cant prove that since there is no record of it on my side.

I then Made {$100.00} payment to my account which was never recorded.

These issues have been going on for weeks. I have spent countless time in the phone with customer service with no resolution, just a continuation of one issue after the other! I am now concerned that my XXXX  credit score will be ruined since they arent recording payments!
Product: Credit reporting or other personal consumer reports

I filed a dispute with Transuion on XX/XX/year> regarding an account they are reporting with XXXX XXXX. In the dispute I explained that this account had been paid in full, per the own statements, XXXX XXXX agrees to delete this account from my credit report. I sent Trans union proof that the account has been in paid in full along with a copy of the letter regarding the removal. They responded by changing the account status to closed with a {$0.00} balance.
Product: Debt collection

On XX/XX/2015 I received a letter from a debt collector ( Central Financial Control ). Upon receiving this letter I sent back a debt verification letter asking them to verify the amount they insisted that I owed. Central Financial Control never responded to my request for deb verification. Just recently the debt that they never verified has shown up on all of XXXX of my credit reports ( XXXX, XXXX, and XXXX ). After calling them to inform they still have not verified the debt, they insist no mistakes have been made and that I simply must pay the debt.
Product: Credit reporting or other personal consumer reports

In accordance with FCRA this creditor has VIOLATED my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This creditor has violated my right to privacy.

According 15 usc 1681 b 2, all information the credit reporting agency reports must be accurate.

This information is NOT accurate and they are violating my rights for accuracy and privacy.

15 usc 1681 Section 604 ( a ) ( 2 ) states consumer reporting agencies can not furnish an account without my written instructions.

I did not give any written instructions to report this negative information.

This too violates my rights.

Under 15 usc 1666b a creditor can not treat an open account as late for any purpose. 

That is 4 FCRA laws that have violated my rights.
Product: Student loan

It was my first student consolidation of my federal loans with navient. I was told by loan representative that because I was  i n  XXXX  I w ou ld get a forgiveness on some of my loan and because of my low income I would get a reduced fee on payments. He said do n't change anything at all when I send you those documents for your consolidation he said he had everything inputted on the application thst would allow me for the forgiveness and reduced rates of repayment ... so I did n't, I looked over the papers and signed and mailed in. I then received my loan papers and it had me at a high % repayment I owed  XXXX  but with loan over and done with it would be well over 150,000, I then seen that my monthly payments a month were 800 some dollars. I was better not going to navient and repaying each loan individually at a lower payment monthly then what I got before. I tried calling the guy after recieving what I quickly learned was an enormous lie from the rep at navient and I got nowhere, I was told there were no notes and nothing was told to me from navient of the sorts of discount monthly payment due to income and forgiveness on some of my loans for being in health care. I am more than willing to filter through all of my papers for the navient ones, I wrote everything down including the man who helped a his phone number and the enormous lies he claimed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found Clarity Services Credit inquiry alert. I did not apply for credit and have no knowledge if this company. Since this happened in the last 24 hours my email has been flooded with payday loan inquiries.
Product: Debt collection

Good morning, I am being charged for a medical debt from my son who has always had XXXX health insurance. I do not understand the reason why this account was not charged to the health insurance at the time and now after a long time I ran into this horrible situation. to communicate first with the medical insurance to pay thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1681i. They were to notify me of this in writing 5 days prior i was not. As the original creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identiy Fraud 3. ) Violations of 15 U.S.C. 1681i
Product: Mortgage

Flagstar Bank has inappropriately denied assistance even though we are in imminent default under FHA guidelines even though we are current on our loan. We ( the borrower ) have had a reduction in income due to previous job loss, reduced pay with a new job and increased expenses. We do not want to loose our home! Flagstar states in it 's hardship letter they " ... understand that your home is an important and valuable asset and your peace of mind is important to me. Flagstar is dedicated to helping our homeowners preserve and maintain their investment. I am prepared to discuss your situation and help determine the best course of action for you. '' We feel this has hardly been the case. We are current. We have n't missed a payment. We are trying to be proactive rather than reactive with our loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$6100.00} ; XXXX XXXX  Balance Owed : {$2700.00} ; XXXX XXXXXXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}.
Product: Debt collection

I am being contacted by a debt collection company by e-mail called True AccordXXXX XXXX XXXX stating I owe {$150.00} for an account I do not have. They started contacting me on XX/XX/2021 and XX/XX/2021. I called them and I told them I do not have a collection account. Further more I do not know how they have my name, address, e-mail, and phone number, I feel this is harassment and it needs to cease.
Product: Mortgage

Good afternoon, I had a loan with M & T Mortgage and I made every payment on time throughout the 8 years I had the mortgage with them.

I sold the property and the closing took much longer than expected due to COVID and due the buyer and they buyers lender which was out of my control. It actually 3 months to close, so I made two payments during that time. The 3rd month I was advised by the lender and the attorney not to pay the last mortgage payment because they had already called and gotten the payoff and that it would interfere with the closing disclosure at the closing if I made  the last payment. We were supposed to close on the XX/XX/XXXX, but something happened on the lender/buyer side and it was bumped to XX/XX/XXXX. 

My mortgage company ( M & T ) called me about the payment, and I explained that we were closing on the property the next day ( XX/XX/XXXX. ) He said that would be fine. He did not say, Well you better pay it now or this will be reported to the credit buruea. If he had, I would have gone ahead and paid it and dealt with the consequences on the closing. I have been working very hard to get my credit built up, and now it went down 64 points due to 1 day.

I checked my credit score today and it has dropped 64 points due to the payment being paid on the day of the grace period ending. The balance of the account is now XXXX, so I called M & T and asked them to please consider pulling back the negative impact to my credit.

I was placed on hold and advised that per the supervisor they could not do that and I would just have to deal with it.

I advised them that I was not happy with that and asked if there was anything else I could do and she told me no.

I am asking if there is a way to have this negative report removed from my credit.

I am happy to provide more details if someone can let me know what I need to provide.
Product: Credit card or prepaid card

I found out someone has using my card, unauthorized using card. And has drained my account from {$4400.00} to {$4.00}. What would I do, I am a parent. How can I survived with {$4.00}. So I called Bank of America, complaining about my situation. And file a claim for the unauthorized transaction. The Bank of America so quickly denied my claim without any due process such as investigating it. I think someone has scamming for my information.
Product: Debt collection

Made payments to two of my XXXX  XXXX cards, received confirmation of payment from one of my US Bank accounts, some of my XXXX XXXX XXXX  Cards, and one of my XXXX XXXX XXXX XXXX accounts, but it didn't update the credit when payment made as was with XXXX  XXXX XXXX accounts made in similar time frame. All payments made at similar time, and in a similar way before any deadline, and want to ensure properly credited on day payment made. 

What is the issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out because I have reached out to Experian multiple times stating that the account attached ion the FTC report sent and they have done thing.
Product: Debt collection

On XX/XX/2019 I wrote a request to Experian to investigate XXXX. They still havent started the investigation.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiry in Question : XXXX XXXX : XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiry. 

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Debt collection

called to inquire about a collection account on my credit report. Call Diversified Consultants on Monday to inquire and was told that they represent XXXX  XXXX and that they had referred my file to them for collection. I paid my bill in full before I closed the account. I expressed my concern with the negative reporting because I am closing on my home mortgage and it will affect my closing. I inquired about how to get it removed and was told that i had to contact XXXX directly. XXXX  told me that i had to contact Diversified. In the meantime i am being hurt by their lack of action. They only care that i pay the amounts i dont owe and that's it. Nothing else.