23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After applying for a loan, I learned that LMMINC appears on my credit report. When I called, they stated they had limited access to the debt information but for a one time fee of XXXX dollar, they could verify the collection information instantly. I paid the XXXX XXXX  and was informed that they were collecting for a medical bill on behalf of XXXX XXXX XXXX however, the medical company has NO SUCH KNOWLEDGE. I contacted LLMINC and they stated that I shouldve received something from the Law Firm of Lockhart Morris & Montgomery. When I attempted to reach out to the law firm, I learned that Lockhart Morris and Montgomery was not a law firm and can be reached at XXXX or XXXX. I immediately contacted my bank to prevent any fraudulent activity. They informed me that the payment was sent to Standard Scores for a credit monitoring subscription ( XXXX ). LMMINC is damaging credit in an effort to collect on fake debt and manipulate people into buying a subscription under the premise that its for information. They are posing as a debt collector ( reporting negative information ) and offering to remove the negative information for the full collection amount OR a fee to remove their own falsely placed debt from credit reports. Theyre purposely using a separate business name to impersonate a law firm in the hopes of showing some form a validity. This scam has lowered my credit score and damaged my chances for a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to add interest to a loan that they charged off for profit and loss. By doing so they are updating the account monthly in an effort to cause my credit score to be low.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX please Help!!!!
Product: Credit reporting or other personal consumer reports

There are XXXX banks on my credit report that have amounts owed that I disputed for fraud. XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. 

XXXX XXXX charge amount {$3200.00} XXXX  XXXX XXXX amount {$6300.00} XXXX XXXX  XXXX XXXX XXXX {$5900.00} These credit cards were opened in XXXX and I filed a report with the XXXX XXXX Sheriffs XXXX XXXX XXXX XXXX TX XXXX I gave each company info on my fraud claim with XXXX XXXX. I sent them back up such as documented proof of other institutions that researched and determined that my identity was used fraudulently.
Product: Payday loan, title loan, or personal loan

I purchased furniture from a local store chain called XXXX XXXX. They offered/partnered with a lender for financing called koalafi. They store rep told me that the loan is interest free for the first 90 days then is interest bearing thereafter. I planned to pay off the {$4000.00} balance by then so it wasnt a concern of mine. They did not go into any further details about how the loan works. In my mind, traditional situations like this are common and there isnt anything fishy or catch that would make this worse than it appears. It was I wrong. When I signed documents, its through docusign just like many other set overs these days. Click a button and it skips to the end of the contract to sign. My fault for not reading it but when I get to the catch they erroneously didnt mention, the fundamental approach of this loan is predatory. Ok the terms of the contract as I understood them are that they will deduct {$270.00} biweekly. After 90 days the loan becomes interest bearing. I made an additional {$1000.00} payment during these 90 days to bring the payoff amount down to something more manageable by the time I get to the 90 days. These payments are automatic. I dont have to login to a portal or call to make the payments. I login to the portal to get my payoff balance on XXXX as I planned on paying it off and the balance not only was around the {$1300.00} it should have been around, the balance increased higher than the purchase price of {$4000.00}! ( It was around {$5500.00} payoff ). I checked the contract and after the XXXX payment, the balance automatically increases to this figure regardless of whatever the balance was previously prior to the 90 days. Bear in mind that the 90 day period ended on XXXX so I was 2 days late. So the {$2600.00} I paid up till that point went nowhere. As again, the balance increases to XXXX and is interest bearing with the same payment and schedule at 24 %. If I continued paying it on schedule the total amount paid for a couch and love seat would have been over {$13000.00}! I was able to get them to honor the original payoff amount after I raised XXXX with the rep and supervisor. They charged me 5 % of the original financed amount for the 2 days late and another 3 % of the payment amount in order to process the card payment outside the regular payment schedule. Fees fees fees. My payoff increased from XXXX to XXXX For anyone else that doesnt have the capacity to drop {$2000.00} to pay off the furniture, theyll have to get screwed by these guys and waste a ton of money or will end up in collections. This is a terrible loan, aiming to take advantage of people and definitely matches up to predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account 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 canot furnish a account without my written instructions.

15 U.S.C 1666b A creditor maay not trat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Prior Investigations have taken longer than 30 days, this is also violating my rights.
Product: Credit reporting or other personal consumer reports

I was notified that the following was deleted, then reinserted back onto my credit report Account : XXXX Account : XXXX Report Number is : XXXX 15 USC 1681 ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

Notes from XXXX XXXX : WHO FURNISHED THE INFORMATION? WHO CERTIFIED IT WAS COMPLETE AND ACCURATE? WHAT WAS THIS PERSONS NAME, PHONE NUMBER, AND WHAT DID THEY USE TO VERIFY THIS INFORMATION? This is pursuant to FCRA 611 ( 6 ) ( b ).

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later tha

n 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business day
s after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

Notes from XXXX XXXX XXXX THE BUSINESS NAME AND ADDRESS OF THE FURNISHER WAS NOT PROVIDED TO ME, NEITHER WAS THE TELEPHONE NUMBER. I WAS NOT NOTIFIED OF MY RIGHT TO ADD A STATEMENT TO MY FILE. 

My rights have been violated, and I demand that Experian deletes both accounts immediately and permanently.
Product: Mortgage

On XX/XX/XXXX I submitted all documents for a loan modification for help due to hardship since the government shut down in XX/XX/XXXX to the COVID 19 Pandemic and job loss due to both I had loss of income, the economy and prices of everything had rose that I am only XXXX  person supporting myself and making all bills, my electric bill had increased over 4 times the amount and my water bill had increased due to repair work that needed to be done which cost more money and more problems with other situations on my property that effected and cost more money and I made my first loan modification once approved and then I made my second payment at which once that was made I made my third payment to be free of late fees, interest charges, and any type of delinquency and a fresh start with longer terms lower interest rate and my payment was suppose to be $ XXXX month and XX/XX/XXXX I made that payment and never did I get any paperwork so I reached out to ask about this so ensure my modification was completed since I was told I would have to get a notary from which wells fargo will provide to come to my house and never would they return my call, never did they have anyone come to my house or inform me to go to a branch to sign and get documents for this new modification. I found out they ended up selling my mortgage loan to XXXX XXXX in XX/XX/XXXX and I have had a struggle ever sense because XXXX  never got documents as promised about my modification and none of my loan information transferred other than the debt and the accrued debt that was never taken off my mortgage account and ALOT of legal fees of {$49000.00} so instead of owing {$67000.00} for my entire loan I owed over {$100000.00} which I didn't even pay {$100000.00} for my mortgage initially. I have had a problem getting anyone to answer anything at XXXX and they know nothing about my loan of 11 years with Wells Fargo they have now taken over and I am in Foreclosure but currently Filed Bankruptcy due to all of this.
Product: Mortgage

It is impossible to speak with a representative at LoanCare. Have you ever seen a loan servicing company with such poor reviews? 

I can't log onto their website, even though I had no problem doing it yesterday. I'm unable to use the " forgot password '' functionality. Their website is a joke. 

I am SO sad that my mortgage was transferred to this company. They do not deserve to be in business.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 BUREAUS consumer report and I noticed some inaccurate information posted on my consumer report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX repeatedly calls and leaves voicemails for no other reason but to harass me and annoy me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  my identity was stolen, I had numerous amounts of checks being wrongfully wrote in my name, Accounts being opened at banks that I owe thousands of dollars for as in XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX {$2400.00} credit card opened in my name XXXX  opened in my name in the amount of XXXX XXXX  was opened in the amount of {$400.00} and also XXXX XXXX XXXX also the debt collection name for this company that has it is XXXX XXXX XXXX for {$990.00} I have filed three police reports and have sent them in numerous times I notice a new inquiry or account opened in my name and they still have not been taken down after correct documentation has been sent to them.
Product: Student loan

Have loans from XXXX XXXX XXXX, I ask all the question to recruiters about credit transfers and wanting to obtain my bachelor 's. I quote would n't you rather go to a school that 's nationallyaccredited and not regionally?! XXXX. So much more involved charging amounts I never authorized. Putting more against my credit. I actually cut losses and started over about rear later after learning KY degree would n't be honored. Please help they are n't owed a dime after living so blatantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Debt collection

Hi I just went for a car loan was turned down never was I turned down for a car loan and imm XXXX so have had plenty, credit report as via XXXX  is great except a XXXX owed to XXXXXXXX XXXX XXXXd on my credit report dont know how i could charge XXXX grand at XXXX and we dont even have a XXXX store in wi. for prob 3 years then 6 days later this letter from cci contract callers inc XXXX ga. XXXX shows up wainting XXXX so 3 years later the 2nd time I have heard of this debt first time when car dealership says oh we cant give you loan because of this on your credit report says previous creditor XXXX   XXXX XXXX XXXX acct number XXXX unless it was my ex girlfriend who liked to charge but 3 to 4 years after XXXX stores closes give me a break and she has left town no body knows where she moved to just up and left Please help I have no car my son took care of my old car and now I cant get a loan because of this .... thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wi XXXX
Product: Mortgage

My mortgage is {$1700.00} a month. However, I always pay an extra $ XXXX {$340.00} every month so as to lessen money paid in interest charged by the total loan ( current balance {$240000.00} ). It is hard to tell if the overpaid money is being applied towards the reduction of the principal amount. I have asked my loan servicer ( PHH ) to send a copy of how much money I will have paid at the end of the mortgage life, which mortgage companies are obligated by law to provide to borrowers. PHH 's website outlines extra payments as " Monthly Additional Principal '' ; however, it is unclear ( and PHH refuses to clarify ) how my extra payments impact the life of the loan.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported to be removed.

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. 

XXXX XXXXXXXX XXXX XXXX XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM ASKING XXXX XXXX XXXX, XXXX AND XXXX XXXX TO CONDUCT ACCOUNT REVIEWS FROM XXXX ONLY.
Product: Vehicle loan or lease

Affidavit of Truth This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions ; Furthermore, XXXX XXXX XXXX failed to clearly & conspicuously disclose my right to rescind. 
I, XXXX XXXX XXXX, participated in a consumer credit transaction and not a loan Pursuant to 15 U.S CODE 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law ; XXXX XXXX XXXX also accepted a CASH down payment of {$4000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction. 

Ive entered into a contract without full disclosure and later noticed violations and or fraud. I have a right to rescind my contract immediately. Also Ive been paying Santander Consumer USA a monthly Note in the amount of {$720.00} which later I found out was not a loan. 

Car was also repossessed XX/XX/2022 and has caused my family huge amount of problems, as my personal information and belongings was never returned from the vehicle. Been calling my phone non stop trying to collect an alleged debt after selling my vehicle. Ive lost my job due to my vehicle being repossessed causing damage to my family and I. 

15 U.S.Code 1692j- false and deceptive forms 15 U.S.Code 1644 ( a ) - fraudulent authorized use of credit card 15 U.S. Code 1662 ( b ) - mixing cash with consumer credittransaction 15 U.S.Code 1605 - finance charge defined and what is all included 16 C.F.R. 433.1 ( d ) - purchase money loan company got a cash advance for using my social or credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting sick and tired of dealing with XXXX fake credit reporting. One can not dispute anything unless you have to call them. Sorry to disappoint XXXX, but I do not trust them and anything verbal does not hold validity in a court of law. 

Last year, I disputed a debt that I do not owe. I never received a billing statement from this questionable debt collector and if it is MEDICAL. I am insured with MEDICAID. Therefore, I am not responsible for any medical debt, especially, for medical treatment I have never received. Here 's the information regarding this fake collection account. 

BUREAU OF MED ECONCS has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 

Alert Details Alert Date XXXX XXXX, 2019 Source XXXX Company BUREAU OF MED ECONCS Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/2019 Balance {$1000.00} Is anything incorrect? 

I have disputed this before and nothing was done and yet, XXXX has set it up where I am not allowed to dispute it again. 

Delete it and for XXXX, stop collecting information on me. YOU PIECES OF XXXX ALLOWED THE DATA BREACH ON ME.
Product: Credit card or prepaid card

I have now received TWO " relia-card '' debit cards from US BANK. One was in my name and address, both correct. The second card, received today has my correct address on it, however does NOT have my name on it. The name listed is someone who does not and has never lived at this address. 

My credit has not been jeopardized at this time, from all I can tell. HOWEVER, US BANK is taking absolutely no responsibility for this issue, nor are they even acknowledging this issue AS a fraud issue. Let alone waiting close to an hour just to talk to anyone at US BANK about the issue. 

I have shredded the card the came in my name and address. At this time I have NOT shredded this newly arrived card. What do I do to prevent fraud AND also to let US Bank know to take responsibility? Typical, the big players, the bank get away scott free and the citizen is the one who pays the price in wasted time, energy, effort and potentially money. REALLY frustrating!