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

I'm a victim of Identify theft someone has used me personal information to get a Phone from XXXX. I never had a Phone with XXXX during the time I was in XXXX. XXXX  and Equifax is reporting a collection account for XXXX XXXX. 

Thank you
Product: Vehicle loan or lease

My FICO score dramatically decreased due to credit acceptance Corp reporting 30 days past due on my account. Their system reflects I paid XXXX payment XX/XX/20 when in fact it was paid XX/XX/20 at XXXX XXXX eastern time. I disputed with credit bureau and made numerous attempts to reach them to attempt a goodwill deletion to no avail. The payment was not more than 30 days due to the pandemic I tried my best to pay on time and in the 45 months thus far with my loan I have never been late. I have 7 months left and asked them to please resolve this as I consider myself a good customer they simply added a natural disaster code on my report which did absolutely nothing for my score. I believe my payment did not reach the new billing cycle and their reporting is not correct and based on my payment history they should work with me. I will have paid them XXXX for a car that was only XXXX due to high interest rates however I never complained and have always paid them every month and not they will not help me in a time where the whole country is struggling.
Product: Debt collection

On XXXX XXXX, 2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken XXXX federal laws. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XX/XX/XXXX Balance. {$830.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance. {$1500.00} XXXX XXXX XX/XX/XXXX XXXX. {$700.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Balance. {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance. {$950.00} << XXXX XXXX XXXXXX/XX/XXXX Balance. {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my Experian credit report posted in XX/XX/2019. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to XXXX XXXX and Experian and with no help have had no luck. I spoke to a representative from XXXX XXXX in XXXX and was told it would be removed. The said they would send me proof and I have yet to receive anything. Experian and XXXX XXXX have refused to do anything. I did not attempt to open or establish a line of credit with this company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I am filing with the CFPB to preserve a written record per my attorney 's advice. 

On XXXX XXXX, XXXX, I called American Express concerning Fraud charges and payments on my American Express card. Asked for my credit card account to be blocked due to fraud. The call was taking long and I had to get to the hospital for a personal issue. I informed the representative I would call back later that day ( XXXX ) to complete the fraud claim. 
I attempted to call later that day several times. Holds were over 5 minutes. Maybe I am impatient, but I will not hold longer than 5 minutes. 
I went online and used American Expresses CHAT. This took over an hour including losing the connection or being disconnected at least 3 times and each time I would have to re-summarize the events. I informed American Express all charges and payments from XXXX through XXXX XXXX are unauthorized with the exception of a couple auto payments to : 1. XXXX XXXX for {$140.00} and XXXX for {$150.00}. XXXX and 2. XXXX XXXX XXXX for # XXXX and XXXX for {$47.00} were fraud. Every other transaction for those days are fraud. I also informed American Express I did not have the card and it could have been taken or lost and then found by someone anytime between XXXX and XXXX. 

I am most concerned with 2 things : 1. Why American Express 's security system did not identify fraud and alert me. I rarely make online payments, except in an emergency all my payments are by USPS mail. And I have never made payments on consecutive days. This should have set off an ALERT! 

2. The payment on XXXX for {$2300.00}, that was actually deducted from my checking account. My wife and I are retired, she has serious medical issues that require expensive XXXX and I have recently been diagnosed with XXXX. ( not sure how much my medical expenses will be. Our medical insurance typically enters the '' doughnut '' phase forcing me to pay thousands for life saving XXXX. 

When I informed the Chat representative he/she wanted me to call for a payment reversal. I tried the XXXX number but Again, i will not wait on holds for extended time and I prefer all correspondence in writing. 

My fraud claim is already in, but considering the {$2300.00} currently taken out of my checking account I want to make sure the request for a payment reversal on that specific transaction is clear and documented. I did not make the payment on XXXX XXXX, XXXX for {$2300.00} and I did not authorize anyone else to do so. I am asking American Express to Please do a payment reversal and provide me with results of the investigation that would help me understand how my checking account was accessed.
Product: Mortgage

My mortgage was transferred to MrCooper approximately XXXX. I make principal payments each month through their website. The site clearly identifies the payments as " add a principal payment '' and unless you go to the payment ledger you will not see that MrCooper rarely posts it correctly. I have on three occasions spoken to escalation specialists ( after hours on the phone with their regular " specialists '' ) and had to have the payments " fixed ''. Each time I ask them why they do not repair their web site to do the accounting correctly. The answer is the same, " we have thousands of customers that pay this way ... .. '' and yet ours is messed up. I have asked 2 times for an audit and 2 times all I get is " I can fix this '' from the escalation specialist. At the end of XXXX our principal balance was ( apparently ) XXXX. We made payments totaling XXXX ( included one regular payment of XXXX XXXX of which was interest and XXXX additional principal ). XXXX - XXXX = XXXX. Yet, the principal balance of the web site show XXXX. This is XXXX more that we actually owed! This is the third time I had to call MrCooper for this type of error and they don't seem to want to fix the error. Multiply this by the thousands of customers referenced earlier and no telling how many people may be being wronged! Interestingly, I took a screen shot of this XXXX and XXXX and there are 14 ledger entries to record the 5 payments made, that being one regular payment and 4 separate XXXX principal payments. Let there be no doubt that, malicious or not, MrCooper Mortgage company has problems they seem unwilling or unable to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} Account Number : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a  XXXX  member. I did n't know   XXXX   XXXX   credit took over  XXXX   XXXX . That time I moved my house. I have n't received any statement. I got the letter from  XXXX   XXXX   XXXX  on last month. So, I call that agency, explained everything. He gave me a fax no XXXX and sent to dispute letter. I sent to the letter to   XXXX   XXXX  . I received letter from the   XXXX   XXXX  , Midland funding LLC take care my case. I called Midland funding but no one responded. I refuse to pay interest and late fees. I can pay how much I spent in  XXXX . They do n't accept that. I do n't want to ruin  my credit score. Please help me how to fix my problem. Thank you
Product: Debt collection

I tried several times to get the issue resolved with this company. I am being billed for a service that does not belong to me and it is being reported on my credit. My son was an adult XXXX XXXX XXXX when he was seen there as a patient and I am not the insured on the health insurance. This company is refusing to correct the issue even though that are in violation.
Product: Student loan

Over the course of repaying student debt many errors and misinformation has been provided to me causing financial loss and waste of time.     The student loan repayment system is broken and harming students and their families.      Service Lenders  routinely make errors, have call centers with POORLY trained staff, provide HORRIBLE customer service, and do not provide all the necessary information to make informed decisions.     Wait time s are over 40 mi nutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : I am requesting that the following account be removed immediately from my credit report. I have tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendants. 
Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as PACER, e-Oscar or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have duplicates of the same account on my report. one by the original lender and also one by the agency which purchased the account. it is paid off but the original lender replied they sold it but still reports it on my credit report
Product: Debt collection

I am submitting this complaint regarding the conduct of IQ Data Inc., a debt collection agency, due to their inappropriate and unfair collection practices. On [ XX/XX/year> ], I received a call from a representative of IQ Data Inc. regarding an alleged debt. During this conversation, I expressed my reasons for refusing to pay and subsequently ended the call. 

I called around XXXX XXXX  today, attempting to update my mailing address so that all future communication could be conducted via mail rather than by phone. However, the representative refused to accept my request and stated, " We will not send you any letters by mail ; we previously sent you letters, and you didnt respond. '' I informed the representative that I had not received any previous correspondence, because my new address wasn't on file when i left the apartment, which is why I wanted to update my mailing address. Instead of addressing my request, he aggressively demanded my credit card number, despite me clarifying that I was not calling to make a payment but simply to update my contact information. 

During the conversation, the representative repeatedly interrupted me, refused to listen, and continued pushing for my credit card details. I clearly stated that I did not want to be contacted via phone and insisted on written correspondence. The representative not only ignored my request but also made a threatening statement that " if you dont pay, your credit score will be hurt even more. '' I find these practices concerning and potentially unlawful. The refusal to accept my mailing address update, the insistence on phone contact despite my clear request otherwise, and the aggressive demand for payment information raise serious concerns regarding their compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

I am formally requesting an investigation into IQ Data Inc. 's practices. Additionally, I ask that they be required to communicate with me only through written correspondence, as is my right under the FDCPA. I also request confirmation that my updated mailing address is on file and that no further phone calls will be made to me regarding this matter. 

Please let me know how I can proceed further to ensure that my rights as a consumer are upheld. I appreciate your time and attention to this matter. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this credit line continues to show up on my credit report even though I have been told repeatedly that the line would be completely deleted I have a release of judgment and also document saying the credit line would be removed but Equifax and   XXXX   XXXX    and  XXXX  keep reporting it. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there are several errors. I spoke to the original lender and stated there was nothing they could do. Transunion reported on XX/XX/2021 was when account was last active and XX/XX/2021 was last paymentXXXX XXXX  states on XX/XX/2021 account was last active and XX/XX/2021 was last payment. XXXX states XX/XX/2021 was last active and XX/XX/2021 last payment was made. All these errors on this report are confusing. This has caused me stress and time lost to complete my goals with my credit. Please remove this off my credit report
Product: Checking or savings account

Social security sends both of my checks to my savings account and not a checking account and Wells Fargo bank knows where my checks are deposited in a savings account not a checking account. I have been with Wells Fargo bank going on 3 year 's and like I been telling you all about Wells Fargo bank. Now just yesterday they told me that I don't have a savings account with them and they know that is a lie and I would like to say to you all that after going on 3 year 's having my checks directly put into my savings account and not a checking account I always called them I don't know how to use online banking and I never authorized Wells Fargo bank to sign up for over draft protection. And then after going on 3 year 's if there was a fee that needed to be paid i called them and told them to take {$10.00} out of my savings to pay that service fee that they said that I owed. I never gave them the authorization to sign me up for over draft protection and neither did I authorized them to charge me {$290.00} cents to pay into a checking account. Now it's becoming really clear on how Wells Fargo bank was sued opening up fake accounts forging people name on documents and taking advantage of consumer 's that are XXXX and are on a fixed income and people trust Wells Fargo bank to protect not only my account but others consumer 's accounts as well. And Wells Fargo bank is opening up accounts with out the consumer 's permission. But Wells Fargo bank is still taking advantage of consumer 's. And people are struggling just to make ends meet and we are in a pandemic. And taken money from consumer 's just to make them rich. I have notified law enforcement about all of these issues. And I done what law enforcement told me to do. I must say that Wells Fargo bank has also been sued for discrimination numerous times. And having their bankers to open up accounts with out the consumer 's permission. If Wells Fargo bank has did these things to the consumer 's they are doing these things to the bankers at Wells Fargo bank. These things needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report indicates that Capital One Bank made a negative comment on my credit report which I can not see. It dropped my credit score by XXXX points from XX/XX/XXXX until now. I do not have any late payments with them on my credit card or house loan.
Product: Debt collection

I received a text message early today from an unknown number, saying I had to contact them about a failed bank transaction and that it was urgent for me to call them. I called back and spoke to a gentleman he stated he worked for a company called First Direct Mediation, based out of XXXX, NY. He asked about a loan I took out years ago from plain green loans and I explained to him that I paid them over 3000 more than my XXXX I took out and the outstanding balance was because I asked for 2 extensions during the time I was making payments to the loan. He tried to set me up on payment plans and I told him he was crazy because I cant pay that much in a month especially during this time with COVID-19 he said he will talk to the creditor to see what he can do but if I do not call back before 5 he will file it with the court. This is really disturbing for agencies to falsify and threaten people this way.
Product: Student loan

I ( mistakenly ) co-signed on a student loan for one of my sons over 15 years ago. That loan was picked up by " American Education Services '' ( AES ) in XXXX, PA. 

He stopped paying on that loan nearly 10 years ago ( due to medical and emotional problems ) and I have been paying on it since then. 

For the past 6 years my son has ceased all communication with me and others in our family. He has moved in and out of state and today I am not sure where he is and have no way to contact him. For the past 2 years I keep getting e-mails and letters from AES advising me that " the address and/or telephone number we have on file ... '' for my son " ... is incorrect. '' I have communicated to AES by e-mail, written letter, and phone call that I do not know my son 's contact info and do not expect to have that information again and to stop harassing me about this matter. They assure me that they will update the account so that I do not continue to receive these notices. THAT WAS A LIE as I continue to receive both e-mail and postal mail notices about this matter!!
Product: Debt collection

On XX/XX/XXXX of XXXX  XXXX completed an investigation for an account from XXXX XXXX. The account was closed due to fraud and was deleted off of my account. Before the investigation it was sold to Portfolio account services. I submitted the results from the investigation yet they ignored my email and proof. Its continually being reported to this day. Getting phone calls 7 days a week and addressing to several associates that it was fraud and was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Has failed to report payment history correctly on the vehicle loan that was actively open during the time period XXXX Thru XXXX. Payments where not reported correctly starting XX/XX/XXXX XXXX XXXX of XXXX. There was no payment information report to all three credit reporting agencies. There was a covid-19 impact reporting freeze place on my account that I did not authorize and done with out my permission. Also There was a late payment on XX/XX/XXXX. That was incorrectly reported the payment was not late. Please update this information immediately and correctly to all three credit reporting agencies. for all months that wasn't reported immediately.