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

Chexsystems is reporting possible fraud with XXXX XXXX XXXX XX/XX/17. Also, marked unpaid. 
I went to XXXX and spoke with a manager who called XXXX department. There is no unpaid balance. Also, said that they weren't sure on the suspected fraud activity. They said could have been possible bounced checks that triggered report. 
The last activity I had with the account was at XXXX XXXX buying a XXXX gift card ... ..shortly after I received an email saying account was frozen. 
XXXX account # XXXX They said to write to your business to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem that I'm having with this company is that I never got a notice of this debt until I saw my credit report and saw an account in there so I proceeded to call the phone number listed for that account and they told me that is for an account that was supposed to be paid for about more than a year ago but they never sent me a notice with a chance to my home address to pay before I was placed in collections, and now that I know that I have that debt and I'm willing to just pay it so it can be removed out of my credit report but they're just saying that they won't remove the account out of my credit report because is company policy, but the problem is that I never got a notice that I was gon na be placed in collections because they sent the notice to the wrong home address so basically I was never aware of this debt and they just placed me in collections unfairly and now its affecting my credit.
Product: Mortgage

I was entered into a Loan Modification Agreement. As part of this, I agreed to pay a Trial Balance for XXXX months. I overpaid the first month and was told by an agent on the phone that the extra funds would be placed in " suspense account '' and then used for the following month. I was told that come XXXX my balance due would be {$400.00} only rather than {$780.00} due to suspense balance. 

On a phone call with PPH, they indicated a balance of over {$600.00} indicating that money was not applied to previous trial balance payments. 

I have signed the loan modification but they have not given me any proof that I Have entered the program. 

I am concerned that I am not even enrolled. 

They told me that my title search came back with no issues... 

I have signed the agreement to make the modification and sent multiple times. 

please see attached screenshot ... the page shows that a past due payment was due on XXXX XXXX. There is ZERO information about the trail balance payments I have made and how those have been applied. I Have not way to know if I am in good standing, or if I Need to send more money? 

I made XXXX payments on XX/XX/XXXX and XXXX, this is attached as proof. The amount of these payments is enough to cover the first XXXX trial balance payments. 

the latest account balance shows that {$6200.00} is past due. How is this possible when I have been making the Trial Balance payments and exceeding the amount? 

I have attached the original modification letter and proof of my acceptance to this email for the review of the cfpb officer. 

I have attached screenshots to prove that I have sent the loan modification to PHH at least 4 times, and received an acknowledgement email. I have attached screenshot of this to show, one of them shows the signed document in the body of the email. the other one is an acceptance email. 

I am also attaching the early intervention letter that was sent today, that indicates to me that I am not in the modification program, that has triggered this complaint. 

I have also attached the original offer to modify my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Experian Credit Reporting Agency asking them to delete XXXX XXXX XXXX XXXX accounts off of my credit report because, the seven ( 7 ) year period had passed for those two accounts to come off of my credit report. The company had re-aged and changed the original reporting date of this debt. The original date these accounts were reported on my credit report was XX/XX/XXXX and the seven ( 7 ) years expired on XX/XX/XXXX. They should have been deleted on XX/XX/XXXX but, instead Experian just updated the accounts instead of deleting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXXccount # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Bankruptcy Reference # XXXX, has violated my rights. 

1

5 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I was notified by XXXX that my name and Social Security number were used to open a fraudulent checking account with BB & T. 

I immediately contacted the bank at this phone number ( XXXX ) XXXX. I filed a police report. I contacted the Federal Trade Commission and Social Security Agency to report the event. I was assured by BB & T that the account had been closed and that an investigation would take place.

When I started receiving paperwork from BB & T I became alarmed and called the bank again. I was reassured that the account was closed, an investigation ongoing and that whatever communication I was receiving by mail was in the pipeline prior to any measures being put in place. 

I am now in receipt of notification stating that my account is overdrawn by {$200.00} ( plus late fees ) and that if I dont cover this debt a collection agency will be retained to recover this amount. 

I have called the bank repeatedly. They refuse to give me a case number to follow progress and claim that they are backed up. 


I have written to : XXXX XXXX XXXX, XXXX, CEO BB & T XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in myreports with Experian, XXXX and XXXX credit reporting agency. These items wereopened fraudulently. Ive informed all parties of the issue & provided the necessarydocumentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the creditreporting agency & data furnisher have not provided me with any evidence of an opencontract, signed contract or any valid proof this was opened, authorized or created by me.Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX : {$3600.00} XXXX XXXX ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX : {$190.00} ; XXXX XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6700.00}
Product: Debt collection

I have tried to make payments, lower payments, online, yet they'll tell me to call back to speak to someone else, or that I can make a payment today but they can't discuss a lower payment plan until another day. I receive multiple calls a day, throughout the week, from Discover. At least XXXX calls a week. My voicemail will get full and I end up missing calls from my job that I just started after being XXXX  for XXXX XXXX months, I'll also miss calls from XXXX XXXX XXXX who can not leave a message due to the excessive calls and voicemails. I also receive multiple emails. I've explained my situation, and that stuff happens, and sometimes, you can not foresee it, nor can you immediately remedy it. The calls are usually daily starting at XXXX on until late in the evening, from XXXX different phone numbers, that I can tell. I CAN get detailed phone records from my phone company, for however many months needed, but this has been going on since around XXXX, I believe. If there is absolutely XXXX money to get from someone right now, then there's no money. What do you do? Sell a XXXX?
Product: Debt collection

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$72.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00}
Product: Credit reporting or other personal consumer reports

I have discovered after recently obtaining my credit reports from XXXX and Equifax that there are inquiries that I did not authorize. I have included a report filed with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/1976 SS # : XXXX To Whom It May Concern : I am sending this request to investigate the inaccurate information on my credit reports. I have attached a screenshot of the account, and the inaccuracies are circled. The Date of Last Activity reported has 3 different dates reported with XXXX, Experian, and XXXX. ( Please see Image Attached on 2nd Page ). How am I to know which bureau is actually reporting correctly? Due to these inaccuracies, this account is not FCRA Compliant, and there are other inaccuracies that are not exposed in this letter that would deem this account in violation of the FCRA. In resolving this matter I am requesting that this account be deleted ASAP. I also request that you please send notices of corrections to anyone who received my credit report in the past six months These are all inconsistent over XXXX, XXXX, Experian. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. Thanks in advance 1. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately 2. Incorrect Information XXXX XXXX XXXX Account Number : XXXX Delete account immediately The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.
Product: Vehicle loan or lease

I got a vehicle from XXXX. My ex wife gained possession of the vehicle through it being a marital asset ( at the time ). About a month ago, I was awarded the vehicle which is solely in my name. 
I contacted South Dakota to find out that she had been arrested and the vehicle has been towed. The towing company sent the Lein holder a certified letter letting them know the car needed to be picked up or the towing company ( aggressive towing ) would take ownership of the title.

The leinholder was well aware that I had no possession nor exact wareabouts of the vehicle. The leinholder choose to sign for the letter but never gained possession of the vehicle nor did they contact me to do so. Now XXXX XXXX owns the vehicle as they are the current holder of the title.

XXXX is unwilling to settle this debt with me even though they allied the release of the lein ( title ).

They continue to contact me several times a day and threaten me by saying they are going to turn the vehicle off ( its not in my possession ), they have already been paid monthly payments after they no longer owned the vehicle and are tying to get me to continue to pay for the vehicle.

I have given them all information regarding the status of the vehicle yet they are still harassing me. 
I have also told them that I am in the process of working on a case with an attorney. 
I would like them to please stop harassing me. They choose not to call me and let me know my vehicle was about to be taken from me.
Product: Debt collection

This company did not contact me in any means in regard to this debt. I got an alert with my credit monitoring so I reached out to them. The lady which did not give me her name, she hung up when I asked for her name. 

She stated they tried reaching out to me .... Never happened. 

This company they are trying to collect for XXXX I have disuted this debt as fraud numerous times, just recently XXXX and had it removed from all three of my reports and now they are hiring another company to add it to my file without any burden of proof. 

I have begged for any proof of evidence that this is my account because it is not.. 

XXXX XXXX XXXXXXXX nor Paramount recovery has povided any factual data linking this debt to me and refuses to provided any details other than an account number XXXX >>>> no dates of said action just teh account number. 

I will be seeking legal action against XXXX XXXX XXXX and Paramount Recovery Systems if this is not removed from my credit file ASAP
Product: Payday loan, title loan, or personal loan

I opened an installment loan with Speedy Cash for {$650.00} on XX/XX/XXXX. I was paying {$90.00} every two weeks. In XX/XX/XXXX, I still owed {$600.00} on my loan. Before, XX/XX/XXXX I paid the loan on time. I can no longer make payments due to my financial situation. I called to see if their were other options available to me such as payment arrangements so I could pay my balance down. The customer service representative basically told me that I have to go into collections for your company to work with me. It's sad that I have stop paying to get some help! I feel that I have paid my loan amount in full. I would like all the payments that were made from XX/XX/XXXX to XX/XX/XXXX to be applied to my principal balance. I have paid Speedy Cash a total of {$1600.00}. Once you apply the payments, my balance will be paid in full.
Product: Checking or savings account

In XX/XX/2018 I opened a checking account with capital one 360 deposited a couple checks, they froze my account then closed my account but I still have not had access to funds in the amount of {$300.00} they say my account is closed but yet refuse to send me my money
Product: Checking or savings account

Earlier in the year I made out a check and mailed to a merchant as a common thing to do except that this time the merchant never received the check. I then saw in my checking account that check had been already cashed for a different higher amount. So I went to my bank ( Citibank ) to verify why the error of the amount on check. I asked for a copy of the cashed check and as u suspected it was a completely different writing and signing in the check. I realized I was a victim of a check fraud. I have the carbon copy of the check I originally wrote and showed to staff manager of the bank. After a long time of waiting for their fraud department to pick up the phone nothing was really done and they told I have to personally call them myself which I did and after making me wait on the phone forever they told me the matter will be under investigation and they can not give me a conditional credit in the meantime. Process of investigation could take up to 90 days. Its been already over 5 months since this matter! What Im even more upset about is the lack of sympathy from Citibank for me whos been a customer for over 30 years! And by not giving me a instant conditional credit to my account! Thank goodness the amount of fraud wasnt thousands! Im still waiting for a response and my feeling is it will never happen. Thats why I have no choice but letting you know about this. I have check copies of fraud and other documents of proof. Hope this matter make the bank to be more sympathetic of their fraud victims and do the right thing!
Product: Credit reporting or other personal consumer reports

Please review the files that are attached.My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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
Product: Credit card

I sent in tender letter to be added to the application on file for the principal with instructions for performance under federal code sec 16.1 and 16.2. The company has refused to comply.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccuracies and violations present in my credit report dated XX/XX/year>. Below is a detailed list of issues, including the violations of each account, the non-account-holding inquiries, and the actions I am requesting. 

Inaccurate Accounts and Violations : CREDIT ACCEPTANCE CORP ( Account Number : XXXX ) Discrepancy : Account lists payments late by 30 days twice ; however, records show payments were brought current immediately without justification for derogatory remarks. Violation : XXXX late payments inaccurately, harming my credit score. Compensation Requested : {$2000.00} XXXX ( Account Number : XXXX ) Discrepancy : Account marked as Collection/Charge-off with a dispute comment that was unresolved. Violation : Reporting unresolved disputes without proper investigation and failing to update dispute resolution status. Compensation Requested : {$1000.00} XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) Discrepancy : Balance reported as {$21000.00} in collections despite 100 % payment history stated in the report. Violation : XXXX inaccurate collection balances contrary to documented payment history. Compensation Requested : {$1000.00} Non-Account-Holding Inquiries : CREDIT XXXXXXXX XXXX XXXX  Date : XX/XX/year> Violation : Hard inquiry performed without a permissible purpose. Compensation Requested : {$1000.00} Summary of Violations : Inaccurate reporting of account statuses and payment histories. 

Failure to investigate and resolve disputes per the Fair Credit Reporting Act ( FCRA ). 

Unauthorized hard inquiries in violation of FCRA guidelines. 

Total Number of Violations : XXXX Requested Compensation Per Violation : XXXX Requested Compensation : {$5000.00} Action Requested : Immediate deletion of all accounts reporting inaccurate or unverifiable information : CREDIT ACCEPTANCE CORP XXXXXXXX XXXX XXXX XXXX XXXX  Removal of unauthorized inquiries : XXXX XXXX XXXX XXXX  Financial compensation for each violation outlined above. 

Confirmation of actions taken to rectify these issues. 

Supporting Documents : Enclosed with this letter, I have included a copy of my credit report highlighting along with any relevant correspondence. 

Please investigate these matters and resolve them promptly. Under the FCRA, I expect a written response within 30 days of receipt of this letter. Thank you for your immediate attention to this urgent matter.
Product: Mortgage

I got a reverse mortgage XX/XX/2010they gave a total of XXXX in debt and I got XXXX but they told me I still had money up that I could get the money for repairs 6 months to a year but now they are changing everything they said around the loan officer I was dealing with is no longer working at champion mortgage now that I need my money for home repairs they are saying there is none I have reached out to them but nothing or no one has helped me now I am reaching to someone here I am senior citizen that's on fix income and no one wan na listen to me or help me I feel like I did something wrong I was only trying to help myself I really feel like I made a mistake my property was paid for before I went 2 these people they have traded my loan to over 4 different companies champion mortgage is the latest one can someone I TRUELY NEED HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX  XXXX {$380.00} XXXX  XXXX {$640.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX   XXXX {$260.00} XXXX XXXX {$190.00} US DEPT ED XXXX {$1700.00}