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

I had an auto loan with XXXX XXXX XXXX  opened on XX/XX/XXXX, the monthly payment was due on XXXX of each month and I never missed a single payment. I had a perfect payment history until I had a car accident and my vehicle resulted a total loss. 

After the car accident my next monthly payment was due on XX/XX/XXXX. By XX/XX/XXXX, XXXX XXXX XXXX  had received 3 payments in my account : 1 ) On XX/XX/XXXX, a payment for {$2300.00} from the warranty contract refund 2 ) On XX/XX/XXXX, a payment for {$25000.00} from my car insurance. 
3 ) On XX/XX/XXXX, a payment for {$6500.00} from the Gap insurance. 

After the clearance of those payments, the account loan balance went down to {$1.00}. But I was informed that my account had a remaining balance of {$310.00} due to the loan balance {$1.00} + {$20.00} late payment fee + {$290.00} interest for the month of XXXX, so the balance went up to {$310.00}. I never agreed for the illegal interest charge and illegal late fee charge since 3 payments were made on the account on the month of XXXX, but anyways I paid it on XX/XX/XXXX, after that payment my account was {$0.00}. 

Now I noticed in my credit report that XXXX XXXX XXXX  is reporting a 30 days late payment and a payment for {$34000.00}, both together on the month of XX/XX/XXXX, I contacted XXXX XXXX XXXX  to correct the 30 days late payments because it does not make sense, they are reporting a {$34000.00} payment and a 30 days late payment in the same month. 

XXXX XXXX XXXX  refuse to remove the 30 days late payment because they claim that I was 30 days late since I made a payment on XX/XX/XXXX, for {$310.00} and the monthly payment was due on XX/XX/XXXX, that is wrong since the account received 3 payment on XX/XX/XXXX, payment for Car Insurance, Gap insurance and warranty refund but the bank claims that those are not payments, instead payments they label as principal reductions. I asked for the difference and base on the representative explanation : the difference is that the money comes from a third-party company and not from my pocket so thats why I they refuse to remove the 30 days late payment. That explanation is just absurd, what if the payments come from my child bank account or from a trust account? It just does not make any sense. 
Just the warranty refund, since is a refund it must be applied to the account as credit, any credit applied to any account brings a minus balance and no payment is required. 
The insurance payment was issued from my own car insurance, premium that was paid every month from my pocket, my insurance paid it on my behalf. 
And if that is not enough to prove XXXX XXXX XXXX  is wrong, I would like to know from them what rule or law define how an Auto insurance payment, Gap insurance payment and warranty must to be applied and the legal definition of principal reductions because I have the impression they are breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items that resulted due to Identity Theft. Please find the required documents to assist in the removing of the erroneous items which are being posted to my report. Here are the following fraudulent items : 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 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 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
Product: Debt collection

They call repeatedly. Sometimes 2 or 3 times a day. When I answer they hang up. If I do n't answer, it goes to voicemail and they do not leave a message. If I call them, it hangs up. 

After about a month I decided to call until I got someone on the phone. After several calls, I got an automated message telling me someone would be right with me. When it finally connected to someone, they hung up. After repeated attempts, I got a person on the phone. I repeatedly asked that they identify the company and they refused. Only after I identified myself and threatened to report them to our Attorney General did they identify themselves by name only. When I asked the purpose of the call, their only response was to ask information about my paypal account. When I refused, they hung up. 

I researched the company online. They are a debt collection company. As such, I feel their actions are a clear violation of the Fair Debt Collection Act. Specifically, subsection 806 Harassment or Abuse. They repeatedly called, only to hang up when someone answered, which can only be considered an intent to harass. Also, they placed calls without meaningful disclosure of the their identity, and when requested to identify themselves, they refused.
Product: Debt collection

Debt collector on behalf of property XXXXXXXX XXXX named Transworld Systems Inc, reached out to me on XX/XX/year> stating that I owed a debt and to respond. I responded to Transworld Systems Inc on XX/XX/year> via direct email back as well as followed their guidelines on how to dispute the debt via their online portal. I also mentioned how the property management owes me {$100.00}. No response was given back as stated on the email. I reached out again to follow up regarding the information I provided XX/XX/year>, again no response. The original debt amount was {$140.00} and is now reflecting {$160.00} on my credit report. I believe the company is fraudulent and illegally posting a debt on my report. I also believe that the XXXX XXXX XXXX is a participant in the illegal activity as they stole {$100.00}.
Product: Checking or savings account

In XX/XX/year> XXXX I have sent the 3 credit bureau an identity theft report on few accounts that have been deleted from my credit report after few years they put it back on my credit report. The creditor name is United accounts Inc, XXXX XXXX  and department of education XXXX. These accounts not belong to me. I have sent them a police report few times all they say it have be verified.
Product: Debt collection

I received an auto text from this company Credit Control, I have no idea what this is in regards to. The auto text only states to log on or call Credit Control nothing else, no written notification received, again, Im not sure what this is.
Product: Mortgage

XX/XX/year> BACKGROUND I have been trying to work with Selene Finance to obtain a modification on my mortgage loan. Along the way, documents were misplaced, and I was given incorrect information. An example of this is that one person told me to always upload my documents to their portal, yet another person told me to only email them to a specific email address and to write the loan number on EVERY pageto avoid documents getting misplaced, which is what I ultimately didand my 2nd request was not declined due to lack of proper documentation ( which Selene lost ). Months went by. Around the end of XX/XX/year>, I saw on Selenes site that my modification had received final approval. I called numerous times to find out the details of this approval, but each time was told by the representative that they couldnt see anything on their end and to call back in a week. My last call was on XX/XX/year>, and as usual, was told that no modification document, or even notes on its details, were available and to wait until I received something in the mail. 

COMPLAINT After all this time has gone on, here are the series of communications I received beginning three ( 3 ) days ago : 1. ( Exhibit B ) Mailed to me via US Mail and received on XXXX asking me to accept the terms when there is zero information about what I should accept. This is typical of just how disorganized and dysfunctional Selene Finance is. 

2. ( Exhibit C ) I received a phone call from a mobile notary service today ( XXXX ) asking me to make a signing appointment for my approved modification. I asked her for clarification, since I had no knowledge of this. She shared enough with me to let me know that my principal & interest payment was going to go from what it was currently ( {$830.00} ) to {$2000.00}! I thought for sure that I had misunderstood her. But to my surprise and horror, I came home from work to a XXXX package on my front porch with a modification agreement that outlines a plan that no person in their right mind would accept. It raises my P & I payment by {$1200.00} due to increasing the interest rate from 3.75 % to 8 % -- AND keeps the same maturity date of XX/XX/year>. This proposal makes zero sense for someone who needs help to keep his home of over 20 years. 

3. ( Exhibit D ) I received via US Mail ( TODAY - the very same day I received the XXXX  packet with its unaffordable terms ), with the ridiculous statement that, We are reaching out to you to let you know that we are committed to helping you avoid foreclosure. The letter goes on to state that there are options such as lowering your rate or changing the repayment terms TO MAKE THE LOAN MORE AFFORDABLE. This is yet another example of Selenes dysfunctional operations processes. 

4. ( Exhibit A ) This is simply a mortgage statement to prove that my interest rate was indeed 3.75 % and what the principal and interest payments were under the current terms. 

ANY help with this situation will be greatly appreciated. 

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

XXXX XXXX XXXX XXXX XXXX is a fraudulent account that was reported back in XXXX. This account was removed from my report but appears to have been sold to another collection agency called XXXX XXXX. Under the Fraud debt collection practice act it is a violation to collect on an account that was previously reported as fraudulent. I am notifying you that this account must be removed immediately removed based on the aforementioned information. A report affidavit is attached.
Product: Credit reporting or other personal consumer reports

I did not authorize the account and inquiry, and I believe it was added to my report due to identity theft or an error. I have already sent dispute letters to the credit bureaus ( [ Equifax, Experian, and TransUnion ] ) and the creditor but have not received a satisfactory resolution.
Product: Payday loan, title loan, or personal loan

Paid on my loan as usual, same procedure, got a receipt, only to find out 2 days later that it wasn't credited to my account which resulted in me having to pay double because of what I thought was paid.I 've heard of the tactics they use to confuse consumers payments.I 'm on a fixed income ( XXXX ) and can't afford to shell out extra money.I 've tried to contact them on many occasions, but keep getting the run around.Please help to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow-up letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my previous complaint with XXXX XXXX, the major part of my complaint was not at a addressed. The company did NOT address my complaint that they reported late payments even though I inquired about and received payment deferral for XXXX and XXXX due to COVID.
Product: Credit reporting or other personal consumer reports

This statement is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).
Product: Mortgage

This is in connection to Complaint Conf # XXXX. It is not XXXX, but XXXX. I apologize for this error. 

This XXXX mortgage was not included in the bankruptcy. Please see attachments ( pages 5 & 6. ) There are two XXXX accounts : one is home equity loan and the other one is mortgage. It was transferred to Ocwen Loan Servicing later on. Before we filed for bankruptcy, we applied for loan modification. which process took more than 2 years. The house was sold on a short sale in XX/XX/2016. I contacted Ocwen regarding the inaccuracy of my credit report about what 's included in the bankruptcy. Ocwen have immediately suppressed the two accounts from credit reporting. I am requesting XXXX to do the same. 
Thank you so much!
Product: Debt collection

Received a call from Transworld Systems XX/XX/XXXX about a XX/XX/XXXX charge from XXXX. Charge was for about {$3200.00}, but I had never used XXXX or even rented a car in my life. I contacted the police and XXXX for more information. After giving XXXX my name and driver 's license, representative was unable to locate any charges under my name whatsoever. Transworld Systems has already put in a validation request, but given the nature of the incident so far, I'm not entirely trusting their competence or honesty in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX, CO XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, CO XXXX 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX 5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX MI XXXX XXXX XXXX : {$3600.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I took out a private loan through XXXX. Since I graduated they have been calling me nonstop ; I graduated 3 mths late but they have me under the previous graduation date so I had to start paying as soon as I graduated. I called and asked for deferment and was told ok only to be called continuously. When I called to ask why Im still receiving calls and negative marks against my credit score they said they dont offer deferment and I need to pay immediately and told me Im 3 mths behind. I have been making payments as much as possible but they still continue to call me nonstop. They have started to call me at work and I asked them to please stop. Even with the pandemic they are still demanding payment in full. Anyone I try to speak to to get lesser payments or to explain why I am 30 days behind come off extremely condescending and rude. the person called mrs. XXXX continues to call me multiple times a day every day. I have requested to receive another case worker because this woman is so rude but they refuse to swap me to anyone else. when I ask for a supervisor the person that responds is just as rude trying to talk over me when I explain the situation. Im currently caught up on payments and they still continue to call and harass me. Theyre claiming that I will be sued by a lawyer for the amount of the loan in full. I continue to make the mthly payments but now theyre have put my credit as behind and are not showing that I am paying even when the balance continues to reflect that payments are being paid.
Product: Credit card or prepaid card

I've just received my credit profile and noticed unauthorized items that shouldnt on my credit report. These have been rough times during these terrible outbreaks from the covid 19 pandemic
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian credit bureau to confirm this records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$390000.00}
Product: Debt collection

At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my XXXX program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have. 

I have asked several times that the late payment entries on my credit report be verified by the companys credit reporting department and that the late payments be verified and corrected in accordance with 15 U.S. Code 1666 - Correction of billing errors to no avail.
Product: Debt collection

I received a call from a man named XXXX and XXXX that works for National Enterprise System saying i owe {$500.00} from 2011 on a credit card. I never opened a card in 2011 nore do i owe anyone {$500.00}. He was very rude and is calling my job. I saw on the internet this could be a scam. 
I do n't appreciate being harassed at my job. Thank you for your help
Product: Credit reporting or other personal consumer reports

I received a letter from your company stating that I am working with a credit repair organization. I want to clarify that I am not using any third-party services. I am personally disputing certain accounts in collections and those with late payment remarks that I believe are inaccurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate information on my credit report. Please review my report, correct any errors, and update my records accordingly. 

It is important that my credit report is 100 % accurate, and I request a re-evaluation of my account. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 16811 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

They must be blind because everything is inconsistent.
Product: Debt collection

Company name : Kikoff Lending , LLC Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern On XX/XX/XXXX, I was looking on my experian account to get an update credit score and noticed that Kikoff Lending , LLC a company I did not recognize for an amount of {$55.00} on XX/XX/XXXX. I have no idea who this company is. I never gave them written consent to furnish my information or obtain my information. In 15 U.S.C. 1681 ( g ), I am a victim of identity theft, and I did not make this charge. I am requesting that the charges be removed/ the debit reinstated, that any finance and other charges related to fraudulent amount be credited, as well, and that receive an accurate statement.
Product: Payday loan, title loan, or personal loan

I applied for a small loan of XXXX. I had to unfreeze my three credit reports to do so. They asked if I had a spouse if I had someone living here or if I would have someone living with me. Asked me if I had children or would have children living here. Ask about all my bills I pay each month and how much. They asked if I had food stamps. I said yes. They asked how many food stamps. Then asked me how much of my money did I use to spend on food at the store each month.