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

Back in XXXX XXXX XXXX XXXX XXXX XXXX reported that I had filled XXXX XXXX bankruptcy in error to TransUnion credit bureau. After been aware I reach out to TransUnion to submit a dispute as well reach out to comenity back to heave them fix the error they had caused. 30 days after the investigation from TransUnion nothing was resolved, my credit stayed the same with conclusion from them saying the info on my repost was correct. After getting the investigation results from TransUnion I reach out to XXXX XXXX, they kept giving me the run around saying they had already updated the Info TransUnion. I kept disputing the errors with TransUnion over 4 times, till finally in XXXX of XXXX I was able to get a letter from XXXX XXXX explaining the the error and sent it over to TransUnion. The remarks had been removed from my credit and the chapter XXXX bankruptcy was gone. After only a few months the remarks came back showing the bankruptcy again, and again I file a new claim with the letter that was sent to me from XXXX XXXX, results came back with no resolution. At this point I have exhausted everything I feel I can do. This has cause me so many problems when it comes to buying a home, my credit is showing inaccurate information.
Product: Mortgage

In XX/XX/2015 I was granted a loan modification with wells fargo. I just found out 5 years later after attempted to refinanced that wells fargo had a place a second morgage bu placing a partial payment lien with HUD without ever discussing this with me and solicited my signature on the document. Wells Fargo has extended my terms twice, increase my interest rate from 4.1 to 4.75 %, and my payment by {$400.00} and still place a excessive charge of {$110000.00} in back payment, interest and fees, this is preditorial and has taken me upside down in my home. I need help with my dispute with wells fargo please.
Product: Mortgage

Company Action Taken : Notified Mortgagees of a Cyber Security Incident that apparently occurred XXXX XX/XX/2023. 

My Current Response I tried logging into the Mr. Cooper mortgage payment portal but was shocked to see a Cyber Security Incident Notice, at the top of the web page. 
Refer to the attachments to this complaint. 

While the notification was very much appreciated however - Nationstar Mortgage LLC dba Mr. Cooper and/or their contracted payment services provider ( s ) appears to me to have fundamental and systemic problems with securing Mr. Cooper company information technology infrastructure. 

This very serious and apparently repetitive problem seems to me to have existed for at least 5 years. In my mind this an unacceptable condition and risk to Mortgage Consumer financial security : 1. My current inability to timely pay my mortgage may negatively impact my credit rating.

2. I have zero ( 0 ) confidence in Mr. Cooper company 's ability or interest in protecting the integrity of mortgage Consumer information and financal transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove 4 bankruptcies on my report. I have sent the 4 notarized dispute letters. Also the jurisdiction the bankruptcies were filed in is out of my jurisdiction. The zipcode is wrong also. My zipcode is XXXX the zipcode the were filed under is XXXX and they refuse to remove it. I have been working on this since XX/XX/XXXX of last year and the a refusing to move it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX , XXXX reported my account with XXXX XXXX XXXX to Experian for {$170.00} in ERROR. The original invoice was paid to XXXX XXXX XXXX in XXXX, 2016. The invoice was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX while covered by XXXX XXXX ie. Obamacare. I have attempted to dispute the claim online with Experian ... .THE WEBSITE WILL NOT RESPOND. THERE IS NO TELEPHONE NUMBER published on website or on credit report I received in the mail. The process for disputing the ERROR via traditional mail is ONEROUS and ARCHAIC with regard to level of personal information requested by Experion. It is obvious to this consumer that Experian is not interested in correcting errors on credit reports they publish.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian, XXXX and XXXX have not included an open account XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX  ) that was opened this year, this account is open, paid on time and now has a XXXX credit balance, pls have them to include this open acct
Product: Checking or savings account

I am deeply frustrated and despairing at the attitude Wells Fargo has taken against my claim. Denying my claim on unconscionable grounds. First and foremost, as I have demonstrated, the charges were not made by me, this was demonstrated by XXXX vouchers on which neither my signature nor my identity card number were on them. I have also demonstrated that I was not in that country and that I was in XXXX during those dates. You also attach that I entered the mobile application on XXXX XXXX of XXXX, but as I explained and DEMONSTRATED the mobile application threw me off your platform when I could not enter a text that you requested because I was in another country and could not receive text messages by mobile phone. 

Finally, I attach the police report that I made to the police authorities in the United States so that my claim can be attended to. 

I want and need them to see the documentation and get my money back NOW. 

Case number XXXX
Product: Debt collection

XX/XX/year> Transworld Systems Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Transworld Systems inc, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records.

Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I called the Loan Star Title Loans in XXXX, TX to pay {$100.00} on an existing title loan. However, XXXX processed the payment as {$400.00} without my authorization. I called back, but XXXX refuses to provide me with her Area Manager 's phone number. XXXX can't cancel the payment either. XXXX committed fraud here, and I want justice. I can't afford groceries now that XXXX processed this payment without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX XXXX XXXX, and BMW BANK OF N.A.. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and BMW BANK OF N.A. with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

I am filing a complaint against XXXX and More Barclaycard because they are inept at handling a valid fraud case. On XX/XX/2018 I enrolled in an XXXX XXXX class at XXXX XXXX XXXX XXXX for $ XXXX/mo. After the XX/XX/2018 payment I cancelled the class on his website as shown in an attached document. I had no more access to the class website. He continued to charge me every month the {$11.00} and I called Barclay every month to dispute it. He never notified Barclay that the charges were legitimate. I continued to send him emails to his website, the only way to contact him as he is in the XXXX. I also told Barclay every month to not charge me but they did anyway and I had to call every month which scares me because he has my credit card information and could use it for even more. Attached is documentation and a letter I sent Barclay after the XX/XX/XXXX charge by USPS. This can not continue and I want to cancel my card and told them that. As noted in another attachment the XX/XX/XXXX charge is on there, even after I got credit for the XX/XX/XXXX and XX/XX/XXXX charges and credit for the finance charges.
Product: Debt collection

First Disputed this debt on XX/XX/XXXX with all 3 credit bureaus and it came back as validated. Disputed again on XX/XX/XXXX. Portfolio Recovery Associates, LLC has been reporting on my credit and fails to provide proof of my obligation to 2 alleged debts which has been requested two times already. They have sent me spreadsheets with an account numbers and balances of these debts from the original creditors, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. To my understanding these documents do not qualify as full verification. Under the Fair Credit Reporting Act I have the right to demand they disclose all of the documents they have recorded and retained in their files. I need to see a signed contract saying that I am liable for these 2 debts and that Portfolio Recovery Associates, LLC has the right to try and collect from me. This company is in violation for continuing to verify accounts with the major credit bureaus without proving evidence as requested. All unverified accounts must be deleted. In addition to not providing the proper verification on the most recent notice from Portfolio Recovery Associates, LLC, they state " In response to your dispute, we have requested that the 3 major credit bureaus change the status of this account to dispute resolved consumer disagrees. '' I feel that this action was taken by Portfolio Recovery as retaliation for disputing these debts. These debts are beyond the Statute of Limitations here in Pennsylvania. I have also requested that Portfolio Recovery stop contacting by phone, and only contact me by US Mail. However, they continue to call me. I am requesting to see a signed contract for each debt and creditor with my signature on it, verifying that these debts are in fact mine.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I paid {$150.00} for my car to be serviced by XXXX body shop. I paid for the services via Zelle in advance of my care being serviced. The day of my appointment the technician never showed up and stopped responding to my text. I reached out to Zelle to have the funds reversed as I realized I had issued money to a fraudulent company. Zelle reps started an investigation into the claims and then concluded the investigation quickly by stating that there was nothing they could do to assist me.
Product: Credit reporting or other personal consumer reports

XXXX credit is reporting different and inaccurate balances on my credit report. The original creditor is not listed so theres no way of knowing whats really accurate.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention.
Product: Credit reporting or other personal consumer reports

After recently obtaining a copy of my consumer report, I noticed an unauthorized inquiry being reported by XXXX. I am a victim of identity theft, and have sent experian a copy of my police report on XX/XX/scrub>XXXX XXXX XXXX requesting to delete the unauthorized inquiry immediately and have yet to receive a response.
Product: Student loan

I have been paying my private school loans since XX/XX/XXXX. Never late, no problems. In XX/XX/XXXX, I lost my job and entered into a graduated extended repayment schedule with Access Group. At no time did they tell me it was only for 2 years with that repayment structure. During this time, Access Group sent my loans to be serviced with XXXX. XXXX has been a disaster from the start. They took away my repayment structure telling me the time had expired. Since that time, I have been having trouble making my monthly payments because I can not afford them. I get calls on my cell telling me I 'm late and threatening to report me to the credit burue said the time. I also receive emails from access group telling me to contact them to talk about my options on repayment. I call each time I get that email and then they tell me, there are no options. I do not understand how this company rather get paid zero than try and work something out so they can get paid something. People at this point have nothing to lose by not paying their loans. We have no property and our credit scores are shot either way! I feel that access group/XXXX do not care about the millions of people that want to pay, but they refuse to work something out. I am sure that in my lifetime, the bankruptcy laws will change to have this debt dissolved, and I will probably be amongst the first to do so if access group/XXXX does not step up and work payment plans with people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them.

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize.

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries.

I am also a VERIFIED victim of the XXXX breach.

I have TWO valid inquires. XXXX XXXX XXXX and XXXX XXXX. THATS IT OVER THE PAST YEAR
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Vehicle loan or lease

My Toyota XXXX is coming off of lease. I had previously calculated the remaining amounts for payments needed based on the Toyota Financial Services Account Management portal. This portal provided an incorrect amount left thus the amount that was calculated I was informed was incorrect. Based on the incorrect information there was a final balance of {$39.00}. I was not notified of this balance. 

Beginning on XX/XX/XXXX, Toyota Financial Services began calling me multiple times per day, harassing my cell phone and not identifying their call via voicemail. On XX/XX/19 I called Toyota Financial Services back to determine why this number kept calling me. The automated prompts identified my account ( multiple ) but I requested an agent as the harassing calls had failed to identify any information associated with Toyota ( including called ID not identifying the business ). 

I reach an operator who refused to assist me. She refused to inform me of why I was receiving the harassing calls. She incorrectly stated she required my FULL SSN to continue when I had already provided enough information for their system to identify my account. She refused to transfer me to a supervisor. I informed the Agent that her company, if it was Toyota Financial Services, was performing harassing calls and I again requested to speak to a supervisor. The agent again refused to push me to a supervisor and badgered me in a harassing and unprofessional manner. 

On XXXX, I was able to answer a call from the harassing number. The harassing calls were being performed by an auto-dialer. The agent provided me information in regards to the harassing calls. I informed the agent that I would check online as she failed to verify who was calling me ( failed to verify her employer ), verify that this situation was correct and move to correct any issues. During the call, I did not realize that the Toyota Financial Services website was providing incorrect information thus I couldn't speak to the validity of the claim. 

I also informed the agent that when calling they needed to leave a voicemail as I had already been harassed by Toyota Financial Services staff and systems. The agent then provided false information regarding Toyota Financial Services legal ability to leave a voicemail. I informed the agent that this information was false and that my prior experience in the financial services and debt management industry provided me with industry knowledge to the contrary. At this point the agent began badgering me and I requested to be transferred to a supervisor. The agent refused to transfer me to a supervisor. I repeated my requests and the agent continued to badger me and refuse my requests. At this point during the agents harassment I hung up the call.
Product: Debt collection

An account with XXXX XXXX XXXX ( XXXX ) was transferred to me in XX/XX/XXXX from XXXX XXXX, landlord. When the account was placed in my name, there was no balance on the account. During the billing cycle of XX/XX/XXXX to XX/XX/XXXX, the air conditioning was broken. This was reported to the landlord prior to the first bill being issued, and she stated that the a/c was checked prior to being rented and transferred. It was explained to the landlord that the a/c was broken prior to the XXXX and XXXX billing cycle. I paid a third party to inspect the a/c unit, and it was confirmed that the a/c unit was indeed broken due to faulty duct work. When this was explained to the landlord, she informed me that all that could be done is installation of a window unit. After the landlord arrived at the house to install the window unit, she confirmed that there was an issue with the a/c unit. The landlord and I made an agreement/arrangement in regards to covering the costs of the expensive bills accumulated during the time that the a/c unit was broken. The agreement was that I was to pay {$200.00} of the first and {$200.00} of the second billing cycle, and that she would cover the cost of the remaining balance which was {$730.00}. I paid my portion of {$200.00} for the first bill and {$230.00} for the second bill ( total : {$440.00} ), and she paid {$230.00} towards the first bill only. There is now a remaining balance of {$500.00} ; which was showing past due and is now being reported on my credit reports by a collection agency ( XXXX XXXX ). I have multiple text messages where the landlord confirmed this agreement/arrangement. When I spoke with XXXX, they were informed of the agreement and stated that an extension was not needed if the balance was to be paid. I also have copies of receipts of all transactions. A final/disconnect bill was received and paid by me minus the {$500.00} that the landlord is responsible for. This dept belongs to my previous landlord, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time Banco Popular de Puerto Rico incorrectly reports to the credit bureaus/agencies ( XXXX, XXXX, etc. ) wrong information as if we have been late in our mortgage payment. I spoke with their mortgage division who contacted their credit Division confirming that we have perfect record since the start of the mortgage in XX/XX/XXXX until now. Their incorrect, inappropriate actions have caused to lower my credit scores from the 700s to 600s. I met in person and demanded a letter ... they gave me a letter but I do not trust this institution in them informing of their error to the respective credit bureaus. 
Dates - Discovered XX/XX/XXXX What - showing mortgage delinquency 90 days+ Amounts - Approximately three/4 payments $ XXXX/ {$16000.00} aprox. 

Actions- I went in person and called them. Again this happened again in XX/XX/XXXX ( they issued a letter after three days ). Had to go twice last week ( two letters from Banco Popular ) acknowledging their error without stating so on the letter. In the meantime they ruined my credit. 

Thank you
Product: Debt collection

XXXX XXXX XXXX XXXX  falsely charged me for leaving an uninhabitable apartment. I left after the apartment manager repeatedly refused to send pest control for their infestation of cockroaches. I left the place in pristine condition, yet I was accused of leaving the place in bad condition and charged an exorbitant amount. I contacted IQ data international in XXXX of 2023, to work out a payment plan to settle the debt regardless, because I plan to buy a home and this is preventing me. IQ data refused to work out a payment plan, instead referring me to their 3rd party credit " fix-all '', XXXX XXXX, who stole {$500.00} from me and did absolutely nothing. I have proof of payment. I filed a dispute with IQ data in XXXX, 2023. It has since been listed as disputed, however meets FCRA requirements. I question this due to the numerous class action lawsuits filed against IQ data international. I want to settle for less, or pay to delete, but there are no options available to me as IQ data International is a scam artist. I need help, please, as this is preventing me from progressing in my life.