23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a credit alert from Identity theft a company I pay to notify me about changes to my credit report. After reviewing the alert, I found that I had a debt that went to the claims at Transworld Systems Inc ( XXXX ). I contacted Transworld Systems XXXX, and they asked me for my whole social security number so that they could look up my account. I didn't provide them with my social security number, but I did provide them with my last XXXX which they indicated was the social security number used to set up the account. I asked Transworld Systems to provide me the name of the company that sent the debt to them and they said it was XXXX XXXX also known as XXXX XXXX. They would not provide me with an address or phone number, but they confirmed by phone that the name on the account which did not match my name. They also encouraged me to look up the phone number online to XXXX XXXX. They said they would initiate a fraud claim and contact XXXX XXXX so that they are aware of the dispute. On XX/XX/XXXX, I called back Transworld Systems XXXX along with a representative from Identity theft to gather additional information. I was told by Transworld Systems XXXX that the debt was accumulated in the city of XXXX, tx and they provided the address. They also provided the date when the account was opened ( XX/XX/XXXX ). On XX/XX/XXXX, I contacted XXXX XXXX ( XXXX ) after looking them up online. The representative was very friendly and helpful and explained that XXXX XXXX was not a business any longer, but they were called XXXX XXXX, a company that assumed their accounts ; she looked up my account based on the information I received from Transworld Systems which was a phone number and the name of the individual they provided and confirmed the name and spelling of the individual who opened the account. The first name of the account holder does not match mine. I asked the representative for more information and paperwork. The representative said that it appeared that there wasn't a driver license or social security number used to set up the account so she couldn't provide me much information other than the account was prepaid until the individual stopped paying for the electricity service. The amount owed on the account is {$1100.00}. The company said they would have an individual reach out to me and asked me to complete a federal commissions theft report. Also to provide an electric bill between the times of the service XX/XX/XXXX - XX/XX/XXXX. They also want me to submit a police report. I received the bill by mail with someone else name on the account, the name was XXXX XXXX not XXXX XXXX. Transworld Systems XXXX said that they had my social security number on the account but the other compay XXXX XXXX XXXX XXXX that there was no social security number used to set up the account. Also what was concerning was that a prepaid account owed money which would mean it was no longer a prepaid account if the service was still being provided after the prepaid funds had been used up.
Product: Credit reporting, credit repair services, or other personal consumer reports

LET ME KNOW AS TO THE REASON WHY THE XXXX XXXX ACCOUNT IS STILL APPEARING NEGATIVELY ON MY CREDIT REPORT. IT STATES THERE'S NO BALANCE AND IS FROM 2014, WITH LATE PAYMENTS OF 90 DAYS. NO ACTION HAS TAKING PLACE IN REGARDS TO ALL THE ATTEMPTS I HAVE PURSUED TO REMOVE THIS NEGATIVE ACCOUNT MY MY CREDIT REPORTS. IT IS REALLY AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES.
Product: Payday loan, title loan, personal loan, or advance loan

I had a late payment in XXXX but I made my account current by XXXX but looks like a delinquency report was sent out. I do not have delinquency on my account anymore. My account is up to date and in face I never had a history of late payment on my account. This needs to be updated.
Product: Checking or savings account

XXXX an online transaction of {$500.00} was withdrawn from my savings account. 
I did not notice this transaction nor was I notified by the bank through an email or text message. 

XXXX an online transaction of {$4200.00} was sent to my XXXX XXXX account. I did not notice this transaction nor was I notified by the bank through an email or text message. 

When I noticed the online transactions, I contacted both Wells Fargo and XXXX XXXX XXXX XXXX. All accounts were closed at both banks and new accounts were established due to my complaints. I was notified by XXXX XXXX XXXX XXXX that funds of {$4200.00} was transferred into my XXXX XXXX account. However, XXXX XXXX stated that the funds was returned to Wells Fargo to an account by the name of XXXX XXXX. XXXX XXXX XXXX XXXX requested Wells Fargo return the funds, but received no response from Wells Fargo. I do not know anyone named XXXX XXXX nor did I authorize the two transactions. I submitted the XXXX XXXX XXXX XXXX letter on XXXX, that stated my claim was found valid. On XXXX the letter was re-faxed due the the online fraud claims department stating they had not received the additional information. After the second fax on XXXX, I received a letter with a post mark of XXXX, the letter inside was dated XXXX. I do not think the online fraud claims department gave proper consideration to the additional information submitted on XXXX. On XXXX, I called the online fraud claims department and explained the letter I had received, I was told to call back by XXXX. After several months of appeals, Wells Fargo denied my claim and stated on XXXX, that this matter would have to be settled outside Wells Fargo.
Product: Debt collection

Daily for the last couple months over been receiving calls from discover. Every time I answer there is no response on the other line or machine recording or anything. Ive been on average receiving about 30 calls from this same number a day often times many back to back and has resulted in me needing to block the number through my XXXX XXXX XXXX call protect due to me needing to be available to take calls at both of my jobs and the harassing calls leading to me having issues at work. 
The video attached shows me scrolling through the calls all from this same number just from the last day and a half. Also discover somehow acquired my parents phone number and has been calling and harassing them every morning when they work nights, they have absolutely nothing to do with me debt.
Product: Credit reporting or other personal consumer reports

Noticed a collections account listed on my credit report that is under Credit Management LP. They would not tell me who the original creditor is. They asked me to pay XXXX XXXX to get a free credit report. This makes no sense, Ive never had a legitimate business do this. They asked for my personal info but still would not give me info on who the original creditor was to this account and insisted I pay the {$1.00} fee to get access to my credit report to have this item removed and asked for my credit card information. They were unable to provide me with account information to verify this account belonged to me and I do not recognize this account. It seems to be fraud or a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling and going online to Experian for day 's now to see where I can report an updated document from XXXX XXXX XXXX my lender so submit the document that is the history of my loan repayments for the last five years so it reflects my payments to the credit bureau. 

I paid for an Experian membership and there is no where to submit my request online. 
Customer service has little information to help me with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a dispute to XXXX  because they were showing my Wells Fargo Credit Card as a closed account. I never closed my Wells Fargo Credit Card and I asked them to change it to an open Status. This Wells Fargo Credit Card has a 14 year history and is accurately reflected on XXXX  and XXXX. I have never missed a payment and I have really good history with the Wells Fargo Credit Card. 

XXXX  did not change the status of my Wells Fargo Credit Card to open. They deleted the entire history. I no longer have my Wells Fargo Credit Card and the history on my credit report. This has negatively affected my credit because this card had a long history of on time payments. Without this history, my credit is not accurately reflected. 

On XX/XX/2021, I called XXXX about my credit history being deleted. XXXX  told me that there is nothing they can do and I have to ask Wells Fargo to send a report. I called Wells Fargo on the same day and they would not agree to send a report to XXXX. I simply want my credit report to be accurate. XXXX  caused the problem. They should fix it.
Product: Prepaid card

We purchased ( 3 ) Vanilla Visa cards at XXXX and they loaded them with {$500.00} each on XX/XX/2020. They have NEVER worked. We have disputed with our credit card company XXXX XXXX but they closed the case because XXXX said they loaded the cards. We have opened cases with XXXX and can get no where. We have opened a case with Vanilla and sent them everything they have requested via email. Complete run around, no new cards, no credit, no response. We have made more calls then we can count and nothing. Vanilla says they don't exist, they do and are in our hands with the activation receipt. They have XXXX dollars on them and have never had a XXXX on them.
Product: Consumer Loan

I took out a loan with Cash CallXXXX XXXX XXXX in the state of Louisiana back in 2012. The interest is so high It was over 100 % and now has gone down to 85 %. I do n't feel I will ever pay it off. Can they legally charge this much interest for such an extended period of time?
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I prepared and mailed off letters to the 3 major consumer reporting agencies XXXX, Experian and XXXX below is a copy of the letter : I am writing to formally request the deletion of a bankruptcy entry from my consumer report. This request is made pursuant to the provisions of the United States Code ( USC ), specifically those relating to permissible purposes of consumer reports and the handling of information resulting from identity theft.

Details of the Request According to 15 USC 1681b ( 2 ), consumer reporting agencies are only allowed to furnish a consumer report under specific circumstances, including receiving written instructions from the consumer to whom the report relates. Additionally, 15 USC 1681q stipulates penalties for obtaining consumer information under false pretenses. 

Legal References 15 USC 1681b ( 2 ) : This section outlines the permissible purposes for obtaining a consumer report, one of which includes obtaining written instructions from the consumer.

15 USC 1681q : This section details the penalties for obtaining consumer information under false pretenses, which can include fines and imprisonment.

18 USC 1028A : Defines aggravated identity theft, stating that using someone else 's identification without lawful authority is punishable by additional penalties. 

15 USC 1681c-2 : Requires consumer reporting agencies to block information resulting from identity theft within four business days after receiving notification from the consumer.

Request for Action Given the provisions outlined above, I request that the bankruptcy entry on my consumer report be deleted. The entry was not authorized by me, and therefore, the information was obtained and used without my lawful consent.

Please confirm receipt of this request and provide a timeline for when the bankruptcy entry will be deleted from my consumer report.
Product: Money transfer, virtual currency, or money service

I attempted to make a deposit of {$420.00} on XX/XX/23 at a PNC bank atm located at XXXX XXXX XXXX. XXXX, XXXX XXXX, FL onto my XXXX account. I received the following error message " action selected is not available at this time '', please retry ''. The ATM did not dispense the money back to me. I attempted to call the bank to inform them of the incident, but I received the message that the bank was closed. I went to the bank Monday XX/XX/23 morning at XXXXXXXX XXXX to speak with a teller to inform them of the incident. I was told to contact my bank or servicer, which is XXXX. XXXX would need to submit a dispute with the bank. I have contacted XXXX multiple times, and I was informed that the transaction isn't showing on their end, and they can't assist me any further. XXXX told me to contact PNC bank to resolve the matter. I called PNC bank customer service, and I was told that only XXXX could submit a dispute. I have went back and forth between XXXX and PNC bank and neither of them have been able to assist me with this matter. I attempted to obtain information of the ATM servicer, but I was told that only PNC bank customer service number is available on the ATM, and XXXX picks up the cash from the ATM. I am trying to obtain information on how to resolve this issue because the funds are needed desperately.
Product: Credit card or prepaid card

According to the letters that Chase has sent out, they closed my account on XXXX/XXXX/XXXX, after reviewing an application submitted for the XXXX credit card product. I spoke with a lending team member on XXXX/XXXX/XXXX. The representative informed me that she was not willing to reinstate my accounts for having too many accounts and that I was not putting charges on their cards with annual fees. I was extremely confused, and felt unfairly treated ; my FICO score is higher than XXXX, I have never defaulted on a payment, and I paid the annual fees for the cards.
Product: Credit card or prepaid card

I noticed an increase to my Annual Percentage Rate to 29.99% for my American Express "Classic Blue Cash for Business Credit Card." I use this card for business expenses only. To my knowledge, I never received word that the rate would be increased by so much, and without a reason, based on my conversation by phone with a American Express representative. The "best she could do" was lower that rate to 19%, which is still significantly higher that previously. My recollection is an initial rate of approximately 14%. I've had the card for several years, and remain a customer in good standing with American Express (35 year Amex customer). Do I have any recourse to what seems to me to be price gouging? A phone conversation with American Express did little, except to tell me like it or leave it. If this kind of price gouging continues to be deemed acceptable to American Express, I have little choice but to pay this card off and take my business elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found improper use of my repot all are showing inaccurate on my report i need them deleted immediately and also need a copy of the original copy of the account send me a copy to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX asap In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a customer reporting agency can not famish an account without my written instructions
Product: Mortgage

I have our monthly mortgage to be set to a monthly draft on the XXXX of the month currently through Loan Care and it was through XXXX prior to XXXX set for the same monthly draft date. XXXX always sent through the payment request on the XXXX and it would show pending on that day through our bank account, per my verbal agreement with Loancare that we set up after receiving a phone call that our mortgage had been sold after we were already two months behind on payment. I was told I would have received a letter. However, I never received a certified letter stating that and that would be the expected normal as this is a very important matter and determines my financial livelihood. Anyway our payment for Loancare went through pending as of the XXXX this month, which was a huge problem because our payments from the company we work with do n't go through until the XXXX and so our account overdrew and and I was n't able to cover which is why we are set up to have this drawn on the XXXX. 

In addition to the other XXXX events our mortgage payment jumped {$400.00} starting on XX/XX/XXXX Our property was appraised XXXX actually in XXXX and we were informed our taxes would go up for the following year. Well they stated in escrow that we were over our balance and have now more than doubled on the increase to cover for last year and now to move forward for this year. They are unwilling to take a cover balance for the remaining due and make our payments at least half the increase moving forward. I am looking further into the pay increase, but we were led to believe the increase would occur for XXXX not XXXX.
Product: Debt collection

Nelnet, Inc. first contacted me by mail in a letter dated XXXX XXXX, XXXX, which started with the language : " ACTION : Your account number has changed. Please update any bill pay services you may use with your new account information or use the new payment mailing address below. '' The " new '' account number " XXXX ''. 

There is also a code on the left side of the document " XXXX '' Since I never had a " prior '' account number with Nelnet, how could this possibly be a " change '' in account number? 

Coincidentally, I had also received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX, which stated : " Notice of Loan Servicing Transfer from XXXX to Nelnet ( XXXX XXXX XXXX XXXX ). Account Number : XXXX. '' According to the regulations however, I was supposed to have received a notice of transfer from both servicing companies. I have never received a notice of transfer from Nelnet. 

Additionally, the National Student Loan Data System reports loans in my name that I had no knowledge existed and appear to be duplicates. One group allegedly consolidated on XXXX/XXXX/XXXX and another group allegedly consolidated on XXXX/XXXX/XXXX and the amounts are similar. 

However, I only had one consolidation loan, but after finding NSLDS and doing a bit more research, I allege that the loan consolidation application I signed was for loans that were not mine to begin with, but the loans I did apply for were not consolidated ( or so I thought ). 

I had no way of knowing this because I was never provided with copies of any student loan documents by the financial aid department ( s ) at either school, so I was relying upon the financial aid department to provide the correct information to the lender ( s ).
The loan detail Nelnet sent me via CFPB today references two separate FFELP consolidated loans, neither of which seem to have any relationship to the loan document they sent me ( XXXX XXXX XXXX ) which represents the consolidated loan I 'm disputing, comprised of a subsidized XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX, ( see copy attached to CFPB Complaint XXXX ). 


In addition, Nelnet has been reporting two separate loan amounts and payments to XXXX, XXXX and XXXX that are entirely different account numbers than they are allegedly collecting from me. 

Something is definitely wrong. This is not the first problem I 've encountered and in fact, the problems with student loans go all the way back to the application and continued, multiplied ( literally and figuratively ) over the years no matter who the servicer has been. 

Based on the coordination involved with the timing of the letter from XXXX and the letter from Nelnet, I allege this was done knowingly and intentionally with intent to defraud. 

This is a pattern or practice I have seen several times over in reviewing all my servicing documents throughout the years. 

I will also be filing complaints directly with the credit reporting agencies as well, asking them to delete this information from my record. 


Thank you, XXXX XXXX
Product: Debt collection

They were harassment to call me many time. then I called them and who are you? they said XXXX XXXX XXXX for you. make me confuse happen. what I make payment to who or owe to who?? They wouldn't tell me nothing. I feel so funny think They are scam. 
so I would stop to call them. and They harassment call me many time make me tired and complaint. But I have a very good my credit and no problem. 
I give you it phone number : XXXX for XXXX My phone number : XXXX and my name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Issues with XXXX ( experian.com ) : - Experian makes it impossible to create an account to freeze credit reports- there are always errors at the last step which forces customers to buy their subscription. 
- Experian makes it impossible to reach a customer service representative through the phone - Once the customers are stuck at the last step of account creation, there is no way to delete the already provided information.
Product: Debt collection

i had gone to a small car dealer on monday XX/XX/2017 and i wanted to get a car so they got my social security and my credit history and also information where i work at. So the dealer was acting for too much down payment so i declined and did not proceed to get a vehicle there. But they had stayed with all my information. On Wednesday XX/XX/2017 someone had called my job and left a message to XXXX stating that if i dont call first equity at there phone number that otherwise they were gon na come by my workplace and subpoena me if i dont call. Since i work graveyard shift i was n't able to get the message until that night my supervisor had hand me the message from XXXX .The next morning i call the number that was left to call, so i did call and the person that i was supposed to call was not there so the put me to talk to a different person and they kept threatening me that if i dont pay as soon as possible i was gon na get subpoena and get sued and likely to take money away from my paychecks from work if i dont pay them by this month. They also had told me about how they knew my credit history and everything i had owed. So then i remember how i gone to a car dealer this month on the XXXX and they had stayed with my credit history and information where i work so i think im getting scam by that same car dealer to take my money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My family needed to move quickly due to a landlord having no rental license and black mold respitory illness set in as well as gasses coming in house from broke sewage line. I was denied a home everywhere! I find tons of Names, SSN 's, Addresses in states and city 's I 've never heard of, and 176 collection items total dropping my score over 200 pts. I 've sent XXXX, XXXX, Transunion all my Identity documents and more and stated federal FCRA about mixed files. Also TU has a company named XXXX who has a Ton of these medical, cell phone, collections. They deleted 7 but left 20 more in XXXX. I should n't have inquiries but do, never had XXXX. XXXX but collections show. My positive history accounts are almost none existent. I need help. This happens after XX/XX/XXXX because in XX/XX/XXXX my Credit was fine. Please help. We need a new car and even buy here pay here 's wo n't lend with a big down payment. They say I need proof of this. I 've shown the names and all that stuff they said it does n't prove ID theft. Never heard of file mixing they said. The amount of medical collections alone you would think I were terminally ill. I 'm very healthy and a XXXX at a XXXX  my wife works for XXXX and XXXX here in KS. And similar has happened as well. PLEASE HELP clear my reports. And make them remove all of it or please guide me into suit. God bless