23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a payday loan with Moneykey that was obtained online several months ago. Due to an IRS tax obligation, I had to revoke the ACH authorization privileges on my account and begin making manual payments over the phone with a representative. Due to the fact that Moneykey was not able to receive twice-monthly payments from my checking account, they eventually converted my account to an in-house collection and attempted to set up payment arrangements with me for same. I have ALWAYS stayed in contact with Moneykey and have CONTINUED to make payments towards my account when funds are available to me, however they will not work with you on a payment plan that makes financial sense to their customers. I have informed them numerous times ( on recorded phone lines ) that I intend to pay this debt and will call them every couple of weeks in order to keep the lines of communication open and have EVERY SINGLE COMMUNICATION written down and accounted for in order to ensure they are not attempting to blur federal lines with their collection tactics. In the past, they have contacted my son and forcefully asked him to TEXT ME to call them, they have called my place of employment even though I had spoken to them earlier in the day. All of the collection tactics are harassing and highly unnecessary when I keep in CONSTANT contact with them. When they e-mail me, I immediately respond and have a record of every single e-mail communication in a special folder due to the fact that I can not trust them. This morning, they contacted a reference on my application and left a voicemail on her answering machine asking her to get in contact with me to call them. THIS IS UNACCEPTABLE AND UNNECESSARY when I have never disappeared from their radar and continue to communicate with them AND PAY MONEY towards this debt. Moneykey needs to cease and desist from contacting my employer, my office, and my references immediately. As a matter of fact, I made a payment to to them 6 DAYS AGO on XX/XX/2020. Why do they need to harass my references when I just recently made a payment?? Please assist me in making this harassment stop. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed jefferson capital systems. Came back verified. I have no knowledge of this account. Please validate with proof of contract signature, and proof of investigation.
Product: Credit reporting or other personal consumer reports

TransUnion is disregarding my request for a proper investigation which they are supposed to conduct independent of the furnisher. I am very XXXX  because I am being XXXX  as a consumer by them.
Product: Debt collection

i was billed for something i was told i was denied for, called the company sycrne care credit they dont even have a bill from the XXXX  office and the XXXX  office has no knowledge of this but they are listed as the provider that day
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has reported that the case is closed and balance paid.in 2018 and has not reported to any credit reporting agencies since 2018 .I have sent all 3 credit reporting agencies asking for it to be removed .they said no I sent a letter to child support asking do they report to the credit bureaus .child support sent me back a letter saying no they do not.I sent a copy of that letter and a letter asking for them to remove it and still cant get them to remove them
Product: Student loan

Ive contacted the loan servicer numerous times and its been 6 months since Ive been able to pay my student loan they have destroyed my credit they wont return my calls or my emails. They have threatened to send me to collections. I am a single dad trying to pay to keep a roof over my head and bills on a single income. I tried to defer they said I made to much which isnt true as they dont know what bills I have with my daughters health and paying the rest of the bills I have. I want them to remove the late fees remove the blemishes they left on my credit and most of all negotiate to bring my payment lower
Product: Student loan

Fedloan Servicing is not following the instructions on how to credit the payments to my student loans. These are beyond the required monthly payments and are extra payments made to pay off the balances early. Despite providing specific instructions in writing and on the physical checks themselves to apply the payment to the highest interest loans, the company took it upon themselves to distribute the payments across the loans as they saw fit, disproportionally towards the lowest interest loans. 
XX/XX/XXXX {$500.00} check payment processed. 
Disb Date Interest Balance % of total Balance Payment % of total payment XXXX 4.25 % {$430.00} 7 % {$110.00} 23 % XXXX 3.15 % {$2200.00} 34 % {$130.00} 27 % XXXX 3.15 % {$2600.00} 40 % {$160.00} 33 % XXXX 3.61 % {$1200.00} 19 % {$84.00} 17 % XX/XX/XXXX {$500.00} check payment processed. 
Disb Date Interest % of total Balance Payment % of total payment XXXX 4.25 % 7 % {$4.00} 1 % XXXX 3.15 % 34 % {$170.00} .00 34 % XXXX 3.15 % 40 % {$210.00} 43 % XXXX 3.61 % 19 % {$100.00} 22 % XX/XX/XXXX {$500.00} check payment processed. 
Disb Date Interest % of total Balance Payment % of total payment XXXX 4.25 % 7 % {$140.00} 18 % XXXX 3.15 % 34 % {$220.00} 28 % XXXX 3.15 % 40 % {$280.00} 35 % XXXX 3.61 % 19 % {$140.00} 18 % I have contacted the company multiple times requesting for them to submit the payments as instructed on the checks in the uploaded documents but each payment I submit they disregard the instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/24. Tried to sign up for an account to be able to freeze my credit report at trans union. Unable to set up my account properly, their system just puts me in a loop that wont let me finish the sign up procedure. I have called their customer service line repeatedly but just keep getting dropped calls every time. No response to chat either. They are literally IMPOSSIBLE to get ahold of to freeze my account at this point. I did it on the other two services without issue but trans union is ridiculously horrible and impossible to contact successfully much less establish an account to accomplish this supposedly simple task. I need assistance to get my credit frozen as I am legally allowed to do.
Product: Credit card or prepaid card

American Express Serve is a gangster company perpetrating as a credit card company. This is the second time another company has issued a refund. American Express Serve holds this refund for an average of two weeks. They keep finding excuses for not releasing my refunds. They always blame it on the other company. Both times it is American Express that is robbing consumers. The first time they lied on XXXX XXXX. This time they are lying on XXXX. 
XXXX has released my money ( {$790.00} ). This company stated I wouldnt see it until XX/XX/XXXX. My car note is due today. They keep hanging up the phone on me. These folks are very unprofessional. This company needs to be closed down. American Express Serve employees are taught to lie to consumers. They are taught to use delay tactics in refunding consumers money. Please close this company doors if possible. 
If they are doing a XXXX, a XXXX XXXX XXXX XXXX just imagine how they are doing the average consumers. Something must be done to stop this criminal enterprise.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. The account/public record Im disputing is as follows : HSN / Synchrony As I have told you previously, and as well as in the dispute, this account has serious discrepancies and is inaccurate. I dispute the issues with the payment history including ( 1 ) the number of past due payments for each of these accounts varies across your files in previous years as well as all other credit bureaus. ( 2 ) the dates of the past due payments for each of these accounts vary across your files in previous years as well as all other credit bureaus. ( 3 ) the number of derogatory days ( status codes ) for each of these accounts varies across your files in previous years as well as all other credit bureaus. ( 4 ) A Charge Off ( CO ) cant be used/counted as a late payment.

When I disputed this account, HSN / Synchony showed 14 past due payments with dates and status of ( XXXX 30 days ; XX/XX/XXXX 30 days ; XX/XX/XXXX 60 days ; XX/XX/XXXX 90 days ; XX/XX/XXXX 120 days ; XXXX XXXX  days ; XXXX XXXX  days ; XXXX XXXX  days ; XXXX XXXX days ; XXXX XXXX  days ). The fact that Charge Offs ( CO ) is used to determine as a late payment, it is illegal ( they cant be counted ). The payment history for this account shows no late payments, nor payment history listed on XXXX after disputing the same information. All credit bureaus payment history should be identical for the account, which it isnt.

It was only after I disputed this information and ask for it to be removed from my file, did you allow the company to update the information with new payment history, late payments, the dates of late payments vary again along with new status codes now ranging from " CO '' days. This account was reported Charge Off ( CO ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX making it appear that this just happened, but the actual date was XX/XX/XXXX and it was done purposely. This company changed a crucial part of my payment history to look as though this account just closed even though it was over 4 years ago. This is a blatant re-aging process which your company continues to allow. Enclosed is documentation supporting my request : my credit reports from all credit bureaus, with the disputed items both circled and highlighted. You will find previous copies of your credit files showing the payment histories, including number of late payments, dates of late payments, status codes of late payments. All of these are still inaccurate as they were before for the reasons listed above. It shows you have allowed the company to shift the payment history around along with dates, as well as derogatory ( status ) codes.
Product: Money transfer, virtual currency, or money service

1. On XX/XX/XXXX I signed up forXX/XX/XXXX for my local area to conduct an interview for my XXXX XXXX XXXX to aire on different platforms, for XXXX media and advertisement. The company said they only used XXXX or XXXX for Payments and I spoke to XXXX XXXX. I sent the money through my XXXX from my banking account at M & T bank. 
2. A few days later I felt the company was a fraud and put in a dispute with M & T which they agreed and put the money back into my acct. The company was very aggressive with me and sent me many text messages and emails about them being a good company and wanting to really advertise my XXXXXX/XX/XXXX I told the company i was not able to afford the amount and they offered me a lower amount of {$590.00} for 6 months advertising and video promotions with interview. I decided to go with the company once again and try the service. 
3. After several months and me agreeing to an interview date on XX/XX/XXXX. I contacted the company around XXXX to tell them I would not be able to do the interview at this time and had death in the family, that i would want a refund and not be able to use the services. 
4. Since then the company started complaining that i messed up their XXXX  services by filing them as fraudulent the first time i got my money back and that they would not refund me my money because of that. I told them I cancelled the first dispute with my bank and because i am not using the service i paid for I wanted my refund. 
5. The company has since gone silent and has not refunded my money through XXXX or any other methods. 
6. I contact my bank M & T again on the matter and was denied because i used XXXX at my own risk, and was not to send money to people I dont know. Yet the company used XXXX for business and made it clear that was my only option if i wanted to do business with them. 
7. I sent emails, and text messages to M & T to show that the company was fraudulent and I was scammed, and that I have requested the refund from the company and have not heard from them other than to deny the refund, and that i have received no services from the company at all, that I need my refund from this company and have been denied twice now by M & T.
Product: Debt collection

Upon reviewing my credit report, I found multiple unauthorized accounts that I did not consent to. Please block and eliminate these errors as soon as possible.
Product: Mortgage

We filed a claim with the Ocwen settlement relief, and they are denying receiving our claim, although when we submitted our claim, we also sent COPYS to Att. Gen. As well as our local district congressman, to be sure they would not be able to deny reciept. Yet they are denying ever receiving our claim, I still have all COPYS of claims sent in XXXX of last year, I can send them to you, please help, they stoled our home, now they are denying receiving our claim. XXXX XXXX and XXXX XXXX son
Product: Credit reporting or other personal consumer reports

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

RE : CEASE AND DESIST All FURTHER COMMUNICATIONS To Whom It May Concern, I am writing to formally request that you cease all further communication with me reference above mentioned account. Cease and desist from any further telephone calls, email, or written correspondence concerning this debt.

As allowed under Section 805 of the Fair Debt Collection Act ( FDCPA ), 15 U.S. Code 1692c - Communication in connection with debt collection for : ( c ) Ceasing communication. I am entitled to request that you cease all contact with me except as legally required. The law states that : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting or other personal consumer reports

I reached out to CIC after being turned down for an apartment citing that I had been previously evicted. My previous landlord did in fact file for eviction in XXXX ; however, the case was dismissed by the landlord and I remained in the home. I submitted a subsequent case document from the judge to CIC that occurred in XXXX at the same residence with the same landlord that was dismissed by the judge herself. I stated that if I were in fact evicted in XXXX then a court proceeding under a different docket would not be possible in XXXX ; moreover, that case was also dismissed. 

I asked them to take down the information as they were now in violation of reporting false and misleading information preventing me from finding a place to live. As a consumer, I explained that they are also infringing on my right to privacy. 

They refused to take it down citing that the courts needed to take down their records which they know is irrational and not possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft : XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately. I am urgently demanding that the reporting of this information be blocked and deleted immediately. I further affirm that my request to block and delete this erroneous information is NOT being made in error ; nor is my request to block and/or delete this information being made on the basis of a material misrepresentation of fact by me relevant to any transaction by me as the consumer.
Product: Mortgage

I called Wells Fargo for information about what to do With mortgage during covid pandemic being wife and I lost our employment during New York State pause order. I was offered a forbearance agreement or deferral that I was assured I would receive paper work on and it would not be reported to credit reporting agency during this time of national pandemic. I was reluctant to go into anything but requested information be sent to me. 
Credit report indicates In forbearance it also indicates last payment received was XXXX but I have paid XXXX XXXX and XXXX. This has negatively affected My credit with all credit reporting agencies. I did not sign anything to agree to forbearance and subsequent calls to them I stressed that Im paying my mortgage and dont want a forbearance. Instead they listed it on my credit without authorization. When I called them they said it was an error n they are working on it. They ruined my wife and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions.

these are the accounts. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX- XXXX. 
XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX us department of eduXXXX us department of eduXXXX-XXXX  us department of eduXXXX us  department of eduXXXX 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 reporting, credit repair services, or other personal consumer reports

I sent a a letter to each credit bureau, Experian, XXXX, and XXXX on XX/XX/XXXX  to correct some errors on my credit report. I have attached the letters that were sent to each bureau and none of the bureaus responded to my letters. There are accounts that are reporting totaling different amounts to each bureau for the same account which proves inaccuracies. I have not received anything back from any of the bureaus and its been over 45 days..
Product: Credit card or prepaid card

I was at XXXX XXXX and they said I would earn more points if I opened a XXXX Rewards Card, and receive a 20 % off. I shop there a lot and I Said ok. I have perfect credit of XXXX credit score and so they called in and Gave me a temporary card and I charged {$36.00} that night. When I received My statement I called Mastercard and was going to use my bank Debit Card to pay the small amount off and the recording said it will be a {$9.00} Charge to transfer and pay this off by a bank debit card so I just put the Statement in an envelope and wrote a check on XX/XX/XXXX, and mailed it It there envelope with their statement attached and the address showed on The statement to be mailed. I made a copy of both just for my records. 
I decided to cancel the card because of the charge they were going to charge And I cancelled and followed the prompts to cancel. I decided to call today And they said I had a late fee of {$28.00} plus {$2.00} and I said that is not right And they said the check did not come until XX/XX/XXXX, and I said that is impossible and they will not take this off and I know this must happen to other people because I know I mailed the check the next day but I did not send it by registered mail. I told them I had perfect credit and never have finance charges Let alone a late fee. I was very upset and told them this was taking advantage of me because they said the account is closed now and they could not change it. This is the principal of the thing and I have not received any late fee amount In the mail but they said they would send It. I ask who it would be paid to as I again said it was mailed the next day after XX/XX/20, and they said to call the Post office and made fun of me. I am XXXX but a XXXX XXXX and I fell because they know my age this must happen to others but it is not honest and I have 4 credit cards and never a late fee. I want Master Card thru I found out XXXX XXXX XXXX to take this fraudulent charge off my record. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Okla. XXXX And the credit card number is XXXX XXXX XXXX XXXX and it was paid even before it was due. This is almost double the amount I charged and it is taking Advantage of me and maybe other seniors.
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 XXXXXXXX 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 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 reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report. 
XXXX XXXX Balance Owed : {$9400.00} ; 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 XXXXXXXX XXXX