23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at XXXX my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as XXXX is doing illegal collecting and reporting porting practices to all three credit bureaus.
Product: Debt collection

This collector refuses to provide any written verification of debt or any requested information for that matter. At the judgement hearing, the attorney stated that he would send me the agreement to file a motion to set aside if I were to pay the judgement in full by the end of the following month. Nine days left of the month and I finally contacted them to request this information and they claim to have no knowledge of it, yet inform me that I now owe over {$200.00} more than the judgement due to statutory interest. They request that I call back the following day to see if they had a chance to speak with the lawyer. I was n't able to call back until 6 days later, only to find that instead of sending me the requested information, they filed a garnishment instead. I feel like they use the courts to prey on people who are n't able to protect themselves and do so using tactics like demanding you allow them to garnish real property if signing a payment agreement. I was not taken seriously during the entire court process by either the court or the collection agency and they need to be stopped from abusing their power. They still have not issued the garnishment or sent me anything in writing concerning the amount of interest they are now attempting to collect on as well.
Product: Credit card

When I applied for a Wal-Mart credit card they told me that if I spend {$75.00} " today '' I will get {$25.00} dollars of my purchase. I spent {$88.00} and they did n't subtract the {$25.00}. They told me that I was supposed to spend it all at once for them to subtract the {$25.00}, yet they did not tell me this when I applied for the credit card. I am very upset and very dissatisfied with the service that I received. I feel that they fooled me into applying for a credit card. I need them to refund me the {$25.00} right away or I will be taking legal action.
Product: Debt collection

I received a notification from my credit monitoring service that a new collection account had been added to my credit report. I did not receive a dunning letter to get a chance to rebuttal prior to submitting to credit bureaus.
Product: Debt collection

I received a letter from " Midland Credit Management '', dated XX/XX/XXXX, stating " We are trying to collect on your XXXX XXXXXXXX XXXX debt that you now owe to MCM. We will use any information you give us to help collect debt ''. They further stated in the letter, " On XX/XX/XXXX, your account was sold to Midland Credit Management , Inc, which is now the sole owner of the debt ''. 

This is extremely concerning to me as this is not my debt and I am in no way responsible for paying this. What is more concerning is that they have my address on file to send me this collection letter. I am confused how this company has my address in the first place. Additionally, the name on the front of the letter and the name that is used throughout the contents of the letter is the incorrect spelling of my name. I am not sure if this is fraudulent but I believe Midland Credit Management is utilizing extremely predatory tactics to collect this debt that does not even belong to me. I consistently check my credit using XXXX XXXX XXXX XXXX as well. XXXX, XXXX, and XXXX does not show any opened accounts with this information, or any accounts in default for that matter. 

They state that that " As of XX/XX/XXXX, you owed {$330.00} ''. They state I had a " XXXX XXXX XXXX XXXXXXXX '' account and that it has been in default since XX/XX/XXXX. It also states that the last payment date was : XX/XX/XXXX and the account was charged off on XX/XX/XXXX. 

The letter states : " Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 

I do not feel comfortable contacting this company on my own as I do not want to give them any more information than they already have. This issue is extremely pressing as they have given me until XX/XX/XXXX to respond or they will assume that they information they have is correct. If you have any questions please do not hesitate to reach out to me via phone or email to get this issue resolved promptly. 

Below I will list off contact info they have listed in the letter : Email : MidlandCredit.com Phone : XXXX Send payments to : Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX " Send disputes or an instrument tendered as full satisfaction of a debt to : Attn : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You may also call : XXXX ''
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 The Credit bureaus stated account XXXX XXXX XXXX XXXX XXXXXXXX was properly investigation but how is that possible if the open date is inaccurate, the date last activity is inaccurate, and date last reported is not accurate. This is ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this formal complaint against XXXX, XXXX, and Equifax to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : XXXX. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, XXXX, XXXX XXXX. Contacted each credit reporting agency ( XXXX, XXXX, and Equifax ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.
Product: Student loan

Hello I had a private loan with College Ave student loans in the amount of XXXX dollars. I had made payments towards it until XXXX 2019 and XX/XX/2019 for XXXX. I am continuing making payments towards XXXX XXXX XXXX.. The problem that was happening I got a letter recently from XXXX XXXX, inc about making a balance of XXXX. This company called me and harass me about making a payment to them when I already had made payments XXXX dollars. I am filing a complaint against this company because I found out this is a scam. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/23 a fraudulent application for credit using my name, XXXX and XXXX and a fraudulent address was submitted to XXXX XXXX. XXXX XXXX  attempted to pull my credit report from XXXX, but were unsuccessful since I keep my credit reports frozen. 

The fraudulent address used by the criminal was : XXXXXXXX XXXX XXXX XXXX., XXXX  XXXX, XXXX XXXX, IA XXXX Upon alert by XXXX, I immediately phoned XXXX XXXX and advised them of the fraudulent application and ensured my existing accounts with XXXX XXXX  were secure. At that time I also confirmed with XXXX XXXX  that my telephone numbers and address were correct. 

On or about XX/XX/23 I received an alert from Experian about an address change to my credit report. Upon speaking with Experian, the new address added to my credit report was he fraudulent address used in the fraudulent application for credit at XXXX XXXX. Experian instructed me that since the address was reported to them directly by XXXX XXXX, only XXXX XXXX  could have the fraudulent address removed. I immediately contacted the XXXX XXXX 's Fraud Department and they assured me that the fraudulent address was not on any of my accounts. 

On XX/XX/23 at approximately XXXX XXXX  I accessed my XXXX XXXX  online banking and happened to notice that my residential address had somehow been changed to the fraudulent address mentioned above. I immediately changed the address to the correct address. I also immediately called XXXX XXXX  to see how this even happened in the first place. The representative I spoke with was extremely unhelpful. She stated she would have seen if there had been a recent address change and that as far as she could see the fraudulent address never appeared on my account and that the recent change I made never happened. She also stated that in order to address the issue I needed to mail notification to XXXX XXXX. This is extremely unsatisfactory. 

I am currently overseas and having to mail XXXX XXXX  will take a long time and meanwhile my credit reports will contain, because of XXXX XXXX  's failure on many levels, a fraudulent address which will not only make me more susceptible to fraud, but hinder any applications for credit that I may make. 

Not only is XXXX XXXX  making it extremely difficult to even have them correct their error, but they have never explained how they even allowed this address change to happen or why I was never notified in the first place even though I subscribed to alerts.
Product: Mortgage

We have been paying an extra XXXX principal payments per month on our mortgage for almost XXXX years. When we asked for a payoff the number is exactly the same as what we currently owe. How can the payoff number and the remaining amount be the same? We have done the math on the numbers sent every month from the servicing company. Using " their '' numbers our outstanding " principal amount is XXXX based on a XXXX end date. 
That date is on every mortgage payment statement we have. We have all of them. We just need to make sure the numbers are reflective of what we have paid and that they are reducing the principal as we intend. Based on the payoff number they have given us of XXXX it is " NOT '' the case. How can we owe anything additional without those numbers being reported to us? We know servicing/mortgage companies " do stuff ''. We will not allow this to happen to us we have worked too hard to pay this house off.
Product: Student loan

I have had XXXX payments for the past 5 years. When XXXX XXXX  did my annual recalculation in XX/XX/XXXX, they increased my monthly payment even though my income had decreased and my number of dependents remained the same. 

I contacted them in writing on XX/XX/XXXX to get them to address and correct the recalculation. They did not respond. 

I called on XX/XX/XXXX ( Employee # XXXX ) and was told that my " request to have my IBR  reviewed '' was received XX/XX/XXXX and was " in process. '' I was told I would receive a response by XX/XX/XXXX. I did not. 

I called again on XX/XX/XXXX ( Employee ID XXXX ) and this time was told that my IBR  was NOT being reviewed but that I could submit an application to change my IBR to "  REPAYE '' which would make my new monthly payment {$220.00}. The rep explained that for the first month I would pay {$5.00} ( while the IBR transfer application was being processed ) and then my new payment would kick in. I completed my REPAYE application on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from XXXX approving my transfer to REPAYE and stating that my monthly payment of {$220.00} would be " first due on XX/XX/XXXX. '' On XX/XX/XXXX, however, I was sent a letter that I was now enrolled in the " standard repayment plan '' and my monthly payment would be {$750.00}. 

On XX/XX/XXXX, I called ( Employee ID XXXX ) and was told that XXXX would be my {$5.00} forbearance month ( instead of XXXX as it should have been ) and that my new REPAYE plan amount would kick in for XXXX. 

On XX/XX/XXXX, I received my XXXX bill for the incorrect standard repayment plan amount of {$750.00}. I called ( Employee ID XXXX ) and was told that my IBR  transfer to REPAYE had not yet been processed because they are " backed up. '' She said that letter issued XX/XX/XXXX approving the REPAYE plan was " premature '' and was " sent in error. '' They offered to give me a one  month administrative forbearance for XXXX which I was forced to accept because I can not afford the standard payment amount. The Rep also told me that she could NOT guarantee that the REPAYE application would be processed in time for the XXXX billing cycle and that we'd just have to " wait and see. '' As a result of XXXX 's incompetency and repeated delays I have already lost 3 months of PSLF payments and will potentially lose a 4th. 

XXXX : 1 ) made an error with my annual IBR  recalculation in XX/XX/XXXX ; 2 ) failed  to review the recalculation when I requested ( and failed to correct their error ) ; 3 ) failed to properly process my IBR transfer request to REPAYE ; 4 ) failed to properly bill me during XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. 

Please note, that I submitted my annual recalculation documentation to XXXX in XXXX of XXXX and they failed to process it until XX/XX/XXXX - just 3 weeks before the new payment amount was to take effect. Had XXXX processed my recalculation in a timely manner there would have been ample time to address and correct these issues before the new payment was to take effect and I would have been able to avoid a 3 month forbearance which negatively impacts my PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an Identity Theft Report with The Federal Trade Commission in XX/XX/2017. Equifax has a copy of My Report and has since not helped me with fraudulent accounts such as XXXX XXXX and XXXX XXXX XXXX ( XXXX XXXX ). 

XXXX XXXX is allegedly a loan for Home Improvement. Ive never owned a house. 

XXXX XXXX XXXX has refused to talk to me after calling.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023. I attempted to use my credit for household purposes and was declined. When I audited my credit report after the embarrassing moment, I found the following transactions that where not made or initiated by me. I never gave written consent to the following companies XXXX, XXXX, and Equifax to furnish this information on my consumer report. 

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 I've included a copy of a Identity Theft Report, screenshots of the accounts reporting on my consumer report, drivers license for identification and mortgage statement for proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how this works but I have defiantly got some bad infomation on my credit report. I do not recall having any of the following account on my credit report. I have never even heard of these companies : XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I  would like to request that they send me a full account/application etc so I can go over theses accounts and get to the bottom of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed XXXX XXXX XXXX with Equifax because it is unknown account and I have no knowledge of account Disputed XXXX XXXX XXXX with Equifax because it is unknown account and I have no knowledge of account and no contract for this account
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am deeply concerned about the impact it has had on my credit report. Upon further investigation, I have found that the attached accounts from XXXX, XXXX, Equifax, and XXXX are reporting on my credit history. I have filed a report with the Federal Trade Commission and have attached it for your reference. I urge you to take immediate action and remove all of these accounts from my credit profile as they are fraudulently reporting. This situation has caused me a great deal of stress and I am counting on your prompt resolution to rectify it. Thank you for your attention to this matter.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018 letter from Transworld System. Informing me I owe XXXX. 
This is 3rd letter from a third party collection on XXXX account. I have written to Attorney General & FCRA on this same XXXX  account. I have copies. 
I would like notify Tranwworld System this account should be handled with XXXX only. 
I always informed XXXX that we could go to court on this unjust issue. Now I realized that I will have the lawyer mail Intend to sue letter. Senior Abuse I am a XXXX XXXX XXXX XXXX survivor trying my best to take care of mother with XXXX. 
I am on Social Security can be verified. I do not need anyone to mess up my credit report with unjust claim of me owing something. All other collection company gave them file back. 
I do not truly believe Transworld is aware of this situation! 
So I am being hope that you will do the right thing. 
Thanks hope hear from you soon.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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: Credit card

I signed up for XXXX insurance based on assurances from the insurance company that my XXXX was in their network and XXXX were covered. It cost me {$100.00} to start the insurance and the monthly amount of {$37.00} was to be drafted on my Capital One credit card. After I received the information from the XXXX, I discovered the discrepancies in what I thought I was paying for and what I actually bought. I sent an email on XXXX XXXX, XXXX cancelling the coverage and requesting a refund. No response from the XXXX company, Upon checking my XXXX XXXX Capital One card statement, I saw a charge for the XXXX payment. I called the company on or about XXXX XXXX, XXXX to ask why I was being charged since I cancelled via email on XXXX XXXX, XXXX. I was told by their customer service representative that they would look into whether they had received my cancellation email but I would not be charged after XXXX XXXX and XXXX received a refund of my XXXX XXXX payment. I was assured that my 'membership ' was cancelled effective XXXX XXXX and I would not be charged in the future. It was n't until XXXX XXXX that I saw I was still being charged {$37.00} for the insurance membership on my Capital One credit card. I immediately called the company, sent them the email from XXXX XXXX, XXXX and requested a refund. The customer rep told me she would research whether they had received the XXXX XXXX email but could not do it that day since it was time for her to get off work and it was a Friday. She was to call me the following Monday but my membership was cancelled effective XXXX XXXX. She was not sure if management would refund my payments from XXXX XXXX to XXXX XXXX. The company never contacted me. Any contact was initiated by me on this matter. In the interim, I requested Capital One to reverse the charges/payments for this time period for this company. I sent them a copy of the XXXX XXXX, XXXX email cancelling the insurance membership. Capital One did reverse the charges but them sent me a letter stating I did not send copies of receipts of the charges so they reapplied the charges to my account. Since these were automatic drafts or charges to my account, I never had receipts for the charges. Therefore, I am filing a complaint against Capital One. I would also like to file a complaint against XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been opened or made in my name without my knowledge or consent. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following accounts and inquiries from my credit report immediately. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This company has constantly illegally reported to the credit bureaus for an account I do not have with them! They can not produce a contract between themselves and I because it DOES NOT exist. I would like them to cease reporting on my credit IMMEDIATELY and remove all information related to the supposed accounts that I have with them until they can provide ALL of the documents I requested! It is illegal and I will pursue restitution if this does not stop immediately!! They claim to be working on this issue but has repeatedly removed and re-added the account to my report, damaging my score even more!