23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I filed this report because I recently noticed a derogatory remark on my credit report. The scathing remark states a late delinquency remark for my vehicle. I have always paid my vehicle loan on time for some reason, but XXXX XXXX wants to say otherwise. My payment record reflects all my payments were always taken on time. However, it seems that they misallocated my funds when I made my payments to them, which may have caused a discrepancy because after speaking with their representative, they checked it out. Even their representative had doubts about what happened. Her name is XXXX, and her employee ID is XXXX. I asked her to place the delinquency remark on the dispute, remove any derogatory remark from my account, and report the version as current to the credit bureaus. She started to claim that they did not receive the payment. I have records that show that I made my payment on time and before the due date.
Product: Debt collection

Opened XX/XX/2023 XXXX XXXX {$990.00} My personal information was sold to this company and that is a violation to my FBRA rights
Product: Mortgage

On XX/XX/year> my Realtors began the Short Sale process by submitting the XXXX XXXX XXXX XXXX. They submitted the forms and application for the account to get reviewed for loss mitigation options. We had to wait a couple of days before the bank acknowledged that they received the XXXX party form. We also requested a payoff which had to be mailed to me. This took XXXX weeks before I received the payoff by mail. The property could not be listed until negotiating was started with XXXX XXXX. The property was listed on the market for sale XX/XX/XXXX and we received a great offer from a conventional loan buyer XX/XX/XXXX. My Realtors submitted the buyer 's offer, pre approval letter, and all listing paperwork. They did tell us that we have time to submit all paperwork for a short sale to be reviewed. My Realtors submitted the documents on time, by XX/XX/XXXX, along with the offer and preapproval. At this point, they are telling my Realtors that we do not have time for the account to be reviewed for the short sale or any loss mitigation options. We would like for the auction date, XX/XX/year> to be suspended, and the account to be reviewed for a short sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}.
Product: Debt or credit management

To whom it concerns, I enrolled in a third party company 3-1/2 yrs ago called Strategic Consulting , LLC, they stated that my debt would be settled based on how much money they withdraw and deposit into a account with global. Where they would get funds to pay settlements. Well for almost 4 years they took over {$14000.00}. In fees for them selves and did nothing for me. I feel robbed, they left accounts in litigation. We would call time to time and ask for updated and it always the same response that attorney is out of office working in cases. And never would return or calls. I dont know what direction to go with this I trusted the wrong people that took advantage of someone that just wanted help to do things right
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

My account had its auto payment removed. Neither I or my wife made any adjustments. When I contacted XXXX XXXX I was told they did not either. As a result payment for XXXX and XXXX payments were not made. I recognized this when I got an alert advising that I have missed two payments. 

This missed payments was no fault of ours, as soon as we got this alert I contacted the bank and made the payment ( XX/XX/2024 ) My account was reported as 30 days past due in XXXX of XXXX which is inaccurate XXXX had on 29 days, as a result we only had XXXX XXXX XXXX days
Product: Credit card

I obtained some funds and paid this account in its entirety. I have been checking each of my card and my credit reports. I now have a XXXX score. I logged onto my Care Credit account today to find they closed my account. I then chatted with a representative of the company to find they closed my account due to a prior credit score. Additionally they closed it without providing me with any type of notification. I received the notification today at XXXX after calling them at XXXX today. This is not normal and they should reopen my account. It will hurt my credit score when they state they closed my account as opposed to giving me an opportunity to close it.
Product: Money transfer, virtual currency, or money service

I'm not sure how long I've had a PayPal account, but haven't used it in over XXXX years. In XX/XX/2023, a fraudster successfully took over my PayPal account and began changing all manner of immediate contact information ( email, phone, etc. ). In XXXX, the fraudster linked someone else 's bank account and began conducting fraudulent transactions. XXXX of the banks involved charged back which resulted in a {$110.00} negative balance in this PayPal account in my name ( but again, not my contact info ). 

I found out about this when, in XXXX, I came across a collections notice at my in-laws house for {$110.00}. I worked with PayPal to clear the obligation and, to PayPal 's credit, they agreed that the debt wasn't mine. However, when they reconciled, they levied what was described to me as a " fee '' of {$35.00}. When I called to inquire about this fee ( they were threatening collections once again ), they agreed to reduce the fee to approximately {$21.00}. I reluctantly agreed, but was told that I would have to log into my PayPal account to pay off this fraudster 's debt. As I informed PayPal ( and as they confirmed in XXXX and XXXX ), I do not have access to this account. PayPal also indicated in XXXX ( and now, XXXX ) that they can't give me access to this account ( permanently restricted since XX/XX/2023 ). 

All in all, I have spent far too much time being punted around PayPal 's back office to defend against paying off a debt left by a fraudster. PayPal acknowledges that I have nothing to do with any payment transfers yet is sticking me with a reversal fee and threatening collections if I don't pay. I don't even know that it's actually a fee because XXXX  PayPal representative referred to it as a " double refund. '' I report this because I have to imagine that this is affecting a lot more people than just me. I can't imagine that this is anywhere near a reasonable or fair practice.
Product: Debt collection

This is a past due amount from XXXX XXXX in NC. I paid this off directly to XXXX and started new service with them and currently have service with them.I had no knowledge of this account being reported to a collection agency until I reviewed my credit report. After speaking with XXXX the representative said they do not report to collection agencies. I told them it is on my credit report from Helvey & Associates. This is unfair that an electric company can collect funds and send to a collection agency but NOT advise the consumer its with a collection agency. The collection agency has not responded to any of my calls and the credit bureaus are not removing the paid collection I had NO knowledge.
Product: Credit reporting or other personal consumer reports

This serves as an official letter, and I am choosing to opt out of the Consumer Credit Reporting Companies. I want to permanently opt out of XXXX, XXXX, Innovis, and XXXX, and provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance. I also want to remove my name from the list for firm offers of credit or insurance.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX ( XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

Disputed the information being reported is wrong and should be deleted immediately as it is not proper correction information
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted an online dispute in regards to two collection accounts being reported incorrectly and in violation of the FCRA. 

Account 1 : XXXX XXXX XXXX account number XXXX visible on both Equifax and XXXX reports. 

Account 2 : XXXX XXXX XXXX account number XXXX visible on both Equifax and XXXX reports. 

I submitted documentation for account XXXX showing : XXXX XXXX XXXX had been reporting false information ( balance, status of account ), discrepancies in data across the different credit reporting bureaus ( date account opened, date of account first major delinquency ), showed where the account was CLOSED in XXXX, and finally documentation that I worked with the original creditor and they updated my profile and deleted the account from the credit reporting bureaus. 

Documentation sent in my dispute for XXXX account XXXX were as follows : 1. XXXXn and Equifax reports showing XXXX XXXX XXXX reported a balance of {$1500.00}, yet the original creditor ( XXXX XXXX XXXX ) reported my highest balance ever as {$1400.00}. 

XXXX. Equifax reports : XXXX XXXX XXXX was reporting an opened date of XXXX/XXXX/XXXX and the Date of Major Delinquency First Reported as XXXX, XXXX XXXX XXXX reports an open date of XXXX/XXXX/XXXX and the Date of Major Delinquency First as XXXX. While on my XXXX reports, XXXX XXXX XXXX was reporting an open date of XXXX/XXXX/XXXX. Yet, XXXX XXXX XXXX has an open date of XXXX/XXXX/XXXX. The opening date varies from the original creditor as well as on my different reports. This information was verified though. There can not be multiple dates that an account was opened. 

XXXX. XXXX reports showing this account had been closed in XXXX. My XXXX report specifically showed XXXX XXXX : XXXX/XXXX/XXXX. The account still shows under closed accounts on my Equifax report. 

XXXX. XXXX reports : showed the original creditor ( XXXX XXXX XXXX ) had reported a PAY STATUS as ACCOUNT PAID IN FULL ; WAS A CHARGE OFF. 

XXXX. XXXX and Equifax reports showing original creditor XXXX XXXX XXXX XXXX XXXX had deleted the account from the bureaus effective XXXX XXXX. 

I submitted documentation showing that account XXXX has been reporting incorrectly. The documentation shows XXXX XXXX XXXX is reporting false information ( balance, date account opened, date of major delinquency first reported XXXX. 

Documentation sent in my dispute for XXXX account XXXX were as follows : 1. XXXX and Equifax reports : showing XXXX XXXX XXXX reported a balance of {$630.00}, yet the highest balance ever on the account was {$630.00}. 

2. XXXX and Equifax reports : The original XXXX XXXX XXXX reports the charge off amount as {$300.00}. 

XXXX. Equifax Report : XXXX XXXX XXXX reports the account was opened on XXXX/XXXX/XXXX and they report the Date of Major Delinquency First Reported : XXXX. The original creditor XXXX XXXX reports an open date of XXXX/XXXX/XXXX and the Date Major Delinquency First Reported : XXXX. XXXX XXXX is reporting an open date of XXXX/XXXX/XXXX on XXXX
Product: Mortgage

Initially we applied for a loan modification with XXXX XXXX. The temporary loan agreement was sent to us by XXXX XXXX and we made the XXXX payment on the agreement, but the loan was literally sold the next day. The new servicer Caliber Home Loans called us a few days later and asked what our intentions were since they were denying our original temporary modification agreement. We never received an exit letter from XXXX XXXX, and now we were faced with a new servicer not willing to except any agreement we had with XXXX XXXX. Their solution was for us to reapply for a loan modification with them from scratch. We have been in a back and forth battle trying to get a modification. After a few months they wanted us to send them more money, and they would look to continue with the original modification we had with XXXX XXXX. We asked XXXX to put it in writing, but they never did. We have now attempted XXXX times to get a loan modification with no avail. With contacting a HOPE and a Housing Counselor, it looks like our FHA loan has turned into a conventional loan. Both the Hope and Housing Counselors did not understand why our loan type changed from FHA to conventional. It 's both the counselors understanding that this loan type should not change without a refinance ; no refinance was ever done by us to change the FHA type loan. We have requested that Caliber Home Loan look into this dispute by sending them our closing statement and the FHA loan number we 'll provide the same to you. It seems they are calculating my Debt to Income ratio not in accordance with FHA guidelines. We are facing a Sheriff 's sale on XXXX/XXXX/XXXX, and we have used all our postponements in working with them. We are requesting that you look into this matter, so we can maintain our home.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I called Loan Depot and spoke with XXXX to get the address to send my payoff to. I was given the address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. That evening, I placed the check in the mail. On XX/XX/XXXX the check was deposited by XXXX XXXX XXXX XXXX. In XXXX we got a phone message saying that Loan Depot needed our next payment. To keep the account from going to collections, I payed a payment of XXXX. Then as I looked into the situation to see why the account had not been paid off, I found out that the address that I was told to send it to was for an old service provider at Loan Depot. Over the course of the next 4 months, I made several calls to both companies trying to resolve the issue. Unfortunately, neither company was very helpful. Finally, in XXXX, XXXX XXXX XXXX XXXX XXXX finally returned my payment and I was able to send it in to Loan Depot. Loan Depot has debited the account, but refuses to refund the extra payment of XXXX made back in XXXX. That payment would not have been made if it had not been for their customer service representatives error.
Product: Credit reporting or other personal consumer reports

I have requested numerous times for XXXX to send me verify how they validated several fraudulent accounts on my credit profile and they refuse to send me this information.
Product: Debt collection

This debt is 5 years old from date of the last activity with the credit grantor. It is showing current when it is old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was sold to another company Wrong amount owed Debt over 7 years old Disputed through XXXX
Product: Payday loan, title loan, or personal loan

I was sent a live check in the mail by Local Finance. I was having issues paying the loan. When I tried to contact the branch and explain my situation, the branch manager, XXXX, was very rude to me. She has left several messages on my voicemail : threatening to call the police on me, threatening to come to my house, threatening to have me served at work, she called my job and was rude to my coworker and asked to speak with my manager, she called my mother and was rude to her and she also sent me a letter stating she was going to sue me.
Product: Debt collection

I tried XXXX service for my family, I cancelled after 10 days of service due to bad signal strength, I paid over {$350.00} to return equipment and close account, 2-3 months later XXXX sends me to collections for usage of 10 days of service, I paid the usage fee on XXXX/XXXX/XXXX and balance was XXXX .... Today is XXXX/XXXX/XXXX and I am still showing an active collection account from GC services on behave of XXXX, after numerous calls hours of phone conversations with XXXX and GC, XXXX admitted that the balance is and should be XXXX from XXXX/XXXX/XXXX ... A supervisor from XXXX had me 3-way a phone call to Collection agency, but the collection agency disconnected the call and refused to speak to XXXX ... I am now being denied a mortgage loan because of this negative collection report .... Please erase this negative from my credit as I am trying to make the biggest purchase of my life and realize the American Dream at the same time, not only for me but also for my family of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask why my loan is still being reported as in default this is a third party what is long the company is XXXX XXXX XXXX and this is part of a plan for me to be forgiven for my loan and Im trying to find out why is none of this being reported to the XXXXXXXX XXXX XXXX XXXX did one who told me to get in touch with you all I did get in touch with a XXXX XXXX what is company the number is area code XXXX Ive been in touch with him to send me information for the money I have been sending to them which goes out at the end of the month of {$19.00} which is supposed to be going towards my student loan for forgiveness program but nothing is showing up I was hoping you all can help me get some type of information on this
Product: Credit reporting or other personal consumer reports

I do not recognize nor authorize this " XXXX XXXX XXXX " account # XXXX I am a victim of identity theft. also some hard inquiries I do not recognize nor authorize without my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I filed a complaint on XXXX abuse on my credit report after CFPB advised the changed the wording but the following they put back same verbiage and as retaliation reported the same loan 2 times to XXXX and in 1 day my credit score from XXXX to XXXX XXXX points the same loan in XXXX dropped XXXX points same info reported XXXX time I contacted XXXX they said only bank can remove the double report I notified bank they said it is what is please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a duplicate XXXX XXXX account on my report. The accounts have the same exact account number, same payment history, except one was paid off and closed in XXXX  2018 and one still has a balance of {$950.00}. I have no open account with XXXX XXXX. I have called XXXX and notified them of the problem, they insist they are reporting it correctly and it is on Equifax to fix. I disputed it several times in writing with Equifax and they insist that is how XXXX is reporting it. Neither are willing to correct it and it is unfairly hurting my credit score.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX was substituted as a Trustee and has filed a Notice of Default in the XXXX County Records with fraudulent and altered paperwork in order to " steal ''. They violated Pen C 131 and 134 which is a " felony ''. They are as well violating the FDCPA 15 U.S.C 1692c as they are debt collectors and are liable for this. The Lenders have not noticed us that they are the party authorized to take this action. The attached memo trying to satisfy that they have satisfied the Declaration of Mortgage Servicer Pursuant to Civil Code 2923.55 ( c ) is fraudulent as they have not tried to contact us and have had access to our council. This was attached by Nationstar Mortgage LLC and signed. The substitution of Trustee is based upon XXXX " fraudulent '' recordings on behalf of the XXXX XXXX which closed as the XXXX indicates where attempted recordings to the Trust were made 8 and 10 years after the Trust closed. The Trust violated the the IRS tax exempted status. XXXX XXXX XXXX has not sent any mail notifications that they are involved. 
County recordings show that XXXX XXXX XXXX as a debt collector attempted to extort {$140000.00} due by XXXX/XXXX/XXXX while the recording was dated XXXX/XXXX/XXXX.
Product: Debt collection

Mailed a debt validation letter on XX/XX/year> requesting validation of this debt.
Product: Mortgage

In  XXXX   2013  a Chapter  XXXX  Plan of Reorganization was confirmed b y the Federal Court for myself. Such plan included a debt reorganization of the subject loan with a Lien Strip on th e subject property to a fair market value of {$220000.00}, and an unsecured portion of {$94000.00}. The mortgage company had the option to apply fo r 11 U.S.  C. 1111 ( b ) option to secure the debt in full but opted not to within the allotted time ( see plan of reorganization page 7 and 8 ). M ortgage company continues to claim the principal owed on the property is approximately {$300000.00}. The amount of the principal balance is incorrect, as are the way the payments have been applied, as per the Confirmed Plan of Reorganization and the bank needs has ignored my requests and refused to correct the situation.