23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

The company granted me a line credit with a certain number of fixed payments over the years at the end of which my loan would be paid off. During the pandemic I requested a lower payment amount as a forbearance period. It was maybe XXXX or so. My payments were XXXX /month. I resumed to full payments a few months later. I got a call the other day that my last payment had come to term but I still had a XXXX balance! That's when their agent on the phone went on to explain the disclosures about the interests they were charging me on the differential of the reduction they gave me. Apparently, unbeknownst to me it had been accruing for 2 years which is the period between the time I was granted to reduction to the last month of the term of my loan. The original loan was XXXX. Based on payments I made the loan should be paid except maybe XXXX or XXXX that should represent the reduction they gave me. I just don't understand how that has turned into an extra {$1100.00}. I can not pay that because I feel when they gave me the reduction, no such explanation was given to me and I feel it was misleading and mischievous. I have worked hard to build my credit score to a good level over the years and I know where this is going. I received a notice today that the full XXXX is 7 days past due. I know as a finance enthusiast and money management auto didact that reporting to CBs happens after 30 days and they can not mess with my credit. I want a resolution that is fair and them being clear with consumers when granting those kinds of breaks which I appreciated. 
Their CS Number is ( XXXX ) XXXX My account # is XXXX Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I never gave my permission to this company to check my XXXX XXXX and they did Hard inquiries Institution Information Ally Finan I XXXX, MN XXXX
Product: Debt collection

On XX/XX/XXXX, I contacted American Express, to correct their records and behavior, with the attached message, and USPS tracking receipt, and filed FTC complaints in regard to that behavior. Previously, on XX/XX/XXXX, I contacted to American Express, to dispute the validity and amount they allege, as well as request they cease and desist all communication, and only communicate when necessary under the Fair Collection Acts, via Certified USPS Mail. Today, on XX/XX/XXXX, I received the attached e-mail, in violation, stating that American Express is honoring a request for account statements. I HAVE NOT MADE A REQUEST FOR ACCOUNT STATEMENTS. I have asked American Express in writing not to contact me, but they continue to ignore my request, leaving little choice other than continuing to report the violations, and pursue other remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was the victim of identity theft. I immediate requested a fraud alert from all three credit bureaus. Subsequent to this event, I changed my phone number. In XXXX, I tried very unsuccessfully to have the credit bureaus update my telephone number on the fraud alert. I submitted requested documentation but was unsuccessful in getting the phone number updated. 

On XX/XX/XXXX, anticipating a new car loan application, I once again called all three bureaus asking that the fraud alert be lifted. XXXX required me to send in documentation of my identity as well as proof of my new address. I sent the letter and documentation to them on XX/XX/XXXX. I received written notification from XXXX on XX/XX/XXXX that they had placed an extended fraud alert on my account, an action I did not request. 

XXXX and TransUnion indicated to me on XX/XX/XXXX in a telephone conversation that the fraud alert would be lifted within 24 hours. Subsequent to that time, I have been denied a credit card twice and today my car loan was denied because of the fraud alert ( my credit score is in in the high 700 's to low 800 's ). The car loan lender asked me to remedy the credit bureau situation before we can move forward. I have tried and have gotten no where. I am requesting assistance to have the fraud alert removed from my account immediately at all three credit bureaus. 

Fraud alerts are great, except when the individual who requested them is denied credit solely on the basis of inaccurate information in the credit bureau 's database.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : XXXX  ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the Equifax breach, their website for setting up a credit freeze has been completely unavailable, no matter what time of day or night. I managed to put a freeze in on XXXX and on XXXX.
Product: Credit reporting or other personal consumer reports

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit-bit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate
Product: Bank account or service

I transferred $ XXXX from my XXXX XXXX checking account to my Capital One 360 Savings Account. The deposit was XX/XX/2016. They will not release my money until XX/XX/2016 
I needed to use this money for purchases. This is in direct conflict to their statement on-line-quote " Deposits pulled from your external linked checking account are typically available on the second business day, but in some cases XXXX be held longer ( up to XXXX business days XXXX. Deposits on hold are unavailable for withdrawal during that time. 

This should have made my money available on Monday XX/XX/2016
Product: Credit card

The due date on my credit card payment falls on XXXX XXXX, 2016, Sunday. Since it was a Sunday, I paid it on XXXX XXXX, 2016, Monday. That same day, XXXX XXXX, 2016 the credit card company charge me for {$25.00} late fee.
Product: Mortgage

After being approved for a modification on XX/XX/XXXX i attempted to make a payment online. I received a message stating unable to process online payment at this time. I received no confirmation number or email Since my payment was due i made a payment via PHH online. On XX/XX/XXXX the payment I attempted to make online was deducted from my checking account AFTER the website told me I could not. I attempted to call PHH to inform them. I was transferred all over for about an only to be disconnected twice. When I messaged them through XXXX I was told there were issues with the website and or the wording of they payment denial issues, and they would have someone from their escalation department call me. I also asked I asked for a refund i was informed they would have to mail me a check they were unable to refund to the how they payment was issued they could not say when but they would try to speed up the process I was refused the opportunity to speak to a manager. I then sent a check overnight to PHH for my mortgage thinking that would receive the other one back. PHH mortgage advised they receive many calls about this issue I was denied a contact number for there corporate office and could only be provided a mailing address or fax. 
On XX/XX/XXXX I discovered PHHs online system stored my information and put the transaction through instead of returning the payment as I was promised. I immediately stopped payment on the other check, and now they are harrassing me for it. 

They also claim Im behind on my payments despite repeated proof and they still deny it. They have ruined my credit by reporting late payments i was never late on because of their error. 

They also forged my fathers name on a mortgage document.
Product: Mortgage

I am in the process of refinancing this loan. The loan will be refinanced with XXXX bank. XXXX bank has been requesting a loan payoff ( through XX/XX/2021 XXXX since XX/XX/XXXX. They have now requested it 3 times. I have requested it, as the borrower, 2 times. There are notes all over my account showing this. This is the LAST remaining stipulation before I can refinance. WSFS dragging their feet is costing me money as their interest rate is higher. They are doing this to deliberately keep the loan on file longer.
Product: Debt collection

MERCHANTS CREDIT GUIDE IS A THIRD PARTY DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT. ALSO I NEVER SIGNED A HIPPA REQUEST FORM SO THEY ARE VIOLATING MY HIPPA RIGHTS REPORTING THIS ALLEGED MEDICAL DEBT TO MY CONSUMER REPORTS. I WANT THEM TO REMOVE THIS DEBT
Product: Credit reporting

On XX/XX/XXXX, I reported the unethical manner in which a law firm/collection agency obtained a judgment for their client. The reference number for this case is XXXX, ( still under investigation as of today 's date ) within this complaint I detailed how this process will greatly harm me and my family. Well just like I proposed in my complaint -- the three reporting credit agency included this information on my credit reports as of XX/XX/XXXX, my credit score has decrease 35 points. I am requesting again that this agency intervened in this process, upon reviewing my previous submitted complaint you will find that I reference my concerns as it pertains to my credit report and how this information will affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report the following items as deliquent over and over again after they had already appeared on my credit report as deliquent 1x or discharged underneath a Bankruptcy or deleted because it was too old. 

1 ) XXXX XXXX was reported as deliquenty 30 days 2x in  XXXX and XXXX a ) I am challenging the deliquency of the account based on when payment was made in XX/XX/XXXX ) XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 3 ) XXXX  XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017 4 ) XXXX and XXXX a ) The account was deleted in the past due to the age of the account. The account was also included in a Ch. XXXX Bkruptcy in 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my 2nd complain to same matter. my previous complain number XXXX where Better mortgage accepted that error occurred anf they fixed it on XXXX XXXX but issue is not fixed and better mortgage is not giving me loan based on same issue. 

If issue is resolved then give me loan please? XXXX XXXX  or better mortgage should give me loan immediately as both are responsible for my credit mess and better mortgage accepted fault. But XXXX  XXXX  always lie on this portal and run away from situation. 
I am attaching XXXX XXXX letter where XXXX XXXX has said they never reported late payment in complain # XXXX where XXXX XXXX never reported late payment then how XXXX  report shows late payment. who is lying XXXX  or XXXX XXXX I have been been telling in all complain that XXXX XXXX is lying. 
SO either XXXX  is lying or XXXX XXXX is lying because my credit report says late payment and no one giving me loan including XXXX XXXX better mortgage. I am attaching XXXX XXXX  loan XXXX email copy where XXXX XXXX is declining loan. whoe 's fault it is. Better mortgage has accepted fault but XXXX XXXX kept on lying and declining my loan
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at approximately XXXX I got a call from XXXX. He told me his name was XXXX XXXX and he was calling from Wells Fargo Fraud Department and there was fraudulent transactions being made on my debit card and if I could verify it was me. There were XXXX transactions he named that he said were made in Georgia. One was for {$200.00} one was for {$3000.00} and one was for {$500.00}. I declined that any of them were me since I live in Pennsylvania. He then told me that he needed to make a new account for me and that I needed to wire my money from my account to my new one having the money be transferred to myself. He told me if we got disconnected his name was XXXX XXXX and gave me a reference number. I wired {$14000.00} over to the account and the phone hung up. When I called back it directed me to Wells Fargo. I thought it was suspicious after he didnt call me back since the number was a Wells Fargo number. I filed a claim with Wells Fargo for wire transfer fraud and the woman I spoke with, XXXX, told me that they disguised the number as Wells Fargo to make it look like it was them really calling.
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.

15 USC 1681 SECTION 602 15 USC 604 A SECTION 2 15 USC 1681c ( a ) ( 5 ) 15 USCs-2 XXXX XXXX ) Account name XXXX XXXX XXXX amount {$580.00} Acct # XXXX, XXXXXXXX XXXX XXXX  amounts XXXX {$260.00} Acct # XXXX, {$98.00} Acct # XXXX, {$1300.00} Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX {$290.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Acct XXXX {$650.00} XXXX XXXX XXXX  Acct XXXX XXXX account closed and sold XXXX XXXXXXXX Acct # XXXX amount {$180.00} XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX  Acct # XXXX amount {$160.00} XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX, IN XXXX XXXXXXXX XXXX XXXX XXXX IN XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$970.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX. late closed XXXX XXXX XXXXXXXX Balance Owed : {$17000.00XXXX XXXXXXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} Medical XXXX Balance Owed : {$520.00} Medical XXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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
Product: Debt collection

I started receiving many calls from numbers I did not recognize. It is an issue in the fact that at times they did not leave a message at all and others, the voicemail that was left did not have anyone talking to me, just noise in the background. On the instances that I have answered any of these calls, the caller recited that it was " a recorded call and an attempt to collect a debt, '' in which I responded by requesting that they stopped calling. These calls have not stopped. I have received them at all hours of the day, sometimes back-to-back.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX notice some unauthorized inquiries appearing on my credit report I have attached supporting documents and a photo Id below. 

1.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
Product: Credit reporting or other personal consumer reports

I have ask XXXX XXXX Equifax multiple times could they remove my spelling of my names multiple spellings I only have one spelling I have asked this multiple times and they took it off and put it back on I'm confused
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account XXXX
Product: Vehicle loan or lease

My issue lies with XXXX XXXX being predatory and dishonest. My interest rate on my XXXX loan was 23.99 % I have attached my contract which was the only contract I was ever given from the original lien holder XXXX XXXX back in XXXX of 2018. My loan was sold off to XXXX yet no other contract was ever given to me nor was there any mention of a Balloon payment at the end of my loan. My contract states that I owe XXXX each month for the life of the loan. I have been late many times with XXXX but was able to pay the late month payment along with a XXXX $ late payment fee to them. I was fine with that What I did not know was their dishonest ways of adding on 19 % each day my payment was late. This accrued to what became my balloon payment and was only explained to me by XXXX XXXX XXXX when I received the last statement letter that had the amount due of approx. XXXX $ I had no idea that this was protocol nor was it written or verbally explained to me that the additional daily late fees were in effect that resulted in a balloon payment. Throughout the XXXX  year loan my vehicle was repossessed twice and each time I managed to get it back by paying their high fees and towing expenses towing my truck almost XXXX miles from my house and the daily impound fee which added up since I couldn't get to my truck being so far away right away. I paid those fines and got my truck back Currently they repossessed my truck again because of my late payment on the ballon payment that they were demanding. I could only pay about XXXX $ each month to get the remaining amount down. It wasn't enough time. So after XXXX  years, I ended up paying over XXXX $ on a truck that was originally listed for XXXX XXXX Yet I have nothing to show for it now. And a negative mark on my credit report.