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

I recently needed to have my XXXX XXXX XXXX  due to them being 20 years old. I went to XXXX XXXX. They recommended greensky because they said insurance would not cover it. Mind you they did not file a claim with the insurance. Anyway they got all my personal information and applied the credit. The procedure was to cost XXXX. I was approved forXXXX. Well apparently Greensky allowed XXXX XXXX to charge up the entire balance of XXXX leaving a XXXX balance. When I called to refute the extra charges they pretended to not know that happened and said they couldnt do anything.
Product: Mortgage

On XX/XX/XXXX I emailed my mortgage servicing company, PHH Mortgage Services, to submit an application for a mortgage modification. On XX/XX/XXXX an approval letter for a trial modification plan was sent to me. I completed the XXXX trial payments as required and completed the trial plan in XX/XX/XXXX. On XX/XX/XXXX a permanent modification approval letter was sent to me, including the final agreement signature pages. I completed and signed the agreement, and included a copy of the quit claim deed signed by my ex-husband in XXXX. I mailed the documents to PHH on XX/XX/XXXX. PHH received the documents on XX/XX/XXXX verified per USPS tracking number. PHH notified me that they did not receive the quit claim deed and therefore needed me to sign and return another copy of the permanent modification back to them. I completed, signed and again included a copy of the quit claim deed signed by my ex-husband along with a copy of the deed of the property. The documents were mailed on XX/XX/XXXX. The USPS tracking showed that the documents arrived in the destination town XX/XX/XXXX but then returned back to the origin facility in my state on XX/XX/XXXX and then back down to the destination town and finally delivered on XX/XX/XXXX, verified per USPS tracking number. On XX/XX/XXXX PHH sent me a letter of Decision of my permanent modification. They stated I was no longer eligible for the modification with the following explanation. " You failed to return the corrected modification agreement within the required time frame. '' I called PHH on XX/XX/XXXX to inquire about the letter and they told me I would have to apply for another trial modification and if approved I would need the signature of my ex-husband on the agreement despite him signing the quit claim deed in XXXX. I explained that I do not have any contact with my ex-husband, he does not live in the same state as me. Our divorce was due to domestic abuse and contacting him could put me or my family in harm. This is also inconsistent with my previous PHH mortgage modification. 
They did not require my ex-husbands signature, only requested a copy of the quit claim deed. My home is at risk for foreclosure. Despite my completion of the trial modification and a permanent modification approval. Their business practices are inconsistent and unprofessional.
Product: Checking or savings account

I made a mobile deposit on Monday XX/XX/XXXX. One hour after deposit I did some research and notified the bank and my bank of possible fraud. I repeated and plead for the check to be removed out of my account as the person who paid me was fraudulent. I was promised over and over it would be removed. I have spent day after day to try and resolve this matter. Now my account is froze and showing a negative balance. BBVA compass gave me the run around and would not remove fraud check off my account when I am the one who notified them of the problem and now it is stopping a direct deposit from coming in positive and now funds are showing negative in my account. I have spoke to many people and supervisors regarding this incident and now I have no money for my children. The check was for {$1900.00},. It was a bad check and I have emails and conversations with the scam artist. I also notified XXXX XXXXXXXX XXXX in Florida and I also spoke with XXXX and the bank is now known as XXXX XXXX in XXXX XXXX Florida. A direct deposit will be coming in On XX/XX/XXXX for my co owners account for {$1200.00} and my account is showing a hold of a negative balance. I am trying to resolve this issue and have provided both banks with a copy of the fraudulent check. I have been contacting for 4 days to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know these inquiries in my profile. I have never gave anybody permission for these inquires and I have never authorized something like this. I do not know the origins of them but this is error in my credit report. I am a victim of identity theft so please I ask you to delete them from my profile asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX. 
Has violated my rights in accordance with the Fair Credit Reporting act 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 accounts without my written instructions. 
Account number XXXX has also violated my rights in accordance with the Fair Credit Reporting act 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 accounts without my written instructions
Product: Credit card

Td bank has repeatedly refused to correct inaccuracies with my XXXX account. They continue charging late fees even with every payment made on time. Td bank has my monthly amount incorrect, balances incorrect, total amount owed incorrect. I have documentation directly from XXXX verifying the monthly amounts, finance terms and balance owed. Td bank refuses to correct this on my account. They continue charging late fees for not paying the amount they have incorrect. My balance on some devices don't go down even with payments being made. My overall balance continues to increase even with payments made.
Product: Credit card or prepaid card

TD BANK HAS A PHONE HOLD TIME EXCEEDING 90 MINUTES TO HELP A CUSTOMER. THIS IS OUTRAGEOUS AND DOWNRIGHT RIDICULOUS. IF THIS WERE AN AMERICAN COMPANY THIS WOULD NOT BE HAPPENING. TD BANK CONTINUALLY APPLIES CHECKS SENT ON XXXX BY MY BILL PAY THROUGH XXXX  XXXX XXXX LATE AND THEN CHARGES ME A LATE FEE. I AM SICK OF IT. TD BANK SITS ON CHECKS, DOES NOT HAVE XXXX LIKE EVERY AMERICAN BANK DOES. THIS IS A DELIBERATE ATTEMPT TO MILK LATE FEES OUT OF US CUSTOMERS AND IS NOTHING MORE THAN INCOMPETENCE AT THE EXECUTIVE LEVEL WHO IS ULTIMATELY LIABLE FOR ALL OF THE BAD BEHAVIORS ON THE PART OF TD BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$25000.00}
Product: Debt collection

My wife received a call a couple of months ago from Complete Credit Solutions regarding a supposed online payday debt from 2016 in my Name. We had NOT received any correspondence in the mail from this company. They claim they have sent multiple letters which have not been received. The original creditor is XXXX which from our research is a tribal online payday lender with multiple complaints and lawsuits. We asked for validation which to date nothing has been received. 

Last week, she received the attached email from another " attorney/collector '' stating they were collecting on the same debt that CCS had transferred to them. They then called my XXXX year old daughters cell phone and left a recording to which my wife called them back and told them to stop calling and send something in writing for us to respond to. They refused saying letters have already been sent. Again we have received no letters. Today CCS has now reported this unvalidated debt on my credit 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. 

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. 

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

Hi, I've already sent several letters to the creditors asking them to remove these late payments yet they have not abided by what I have requested. They also have violated my consumer law because they never gave me the option to opt-out out of reporting this information to a third party. 

According to 15 US Code 6802 b, which states that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information may be disclosed to such third party. 

Date of late payments : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of first charge-off payment : XX/XX/XXXX The account was closed in XX/XX/XXXX ; additional late payments were added after the account was closed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been attempting to get them to refund the money order as its un-cashable. I have the money orders. I have brought them in person and called and they requested that I fill out the form on the website. The form does not work and gives you an error message. They refuse to help on the phone or in person. I am out XXXX and they do not care. I need them to process the refund immediately.
Product: Debt collection

LAST REPORTED DATE XX/XX/2022, THIS COMPANY HAS YET TO STOP CALLING AND GIVING ME VALID INFORMATION THAT THIS DEBT IS MINE. I HAVE NO UNDERSTANDING OF THIS UNATHORIZED DEBT AND WHEN I ASK FOR PROPER ACCURATE VALIDATION, I GET NO RESPONSE FROM COMAPNY. COMPANY STATES I OWE THEM {$640.00} IN CREDIT CARD DEBT WHICH IS NOT ACCURATE. I WOULD LIKE TO HAVE THIS FALSE ACCUSATION OF DEBT OFF ALL THREE CREDIT REPORTS.
Product: Credit card

So on XX/XX/XXXX I went to a basketball court and my Current Credit Card was stolen from me. I realized my my Card was stolen on XX/XX/XXXX I put in a dispute with the bank Current under the Dispute ID : XXXX I informed them of where the card was stolen from and that there was an unauthorized and fraudulent charge on my account. The charge was for a XXXXXXXX XXXX  for {$93.00} cents. I have never even HEARD of a XXXX XXXX AT ALL! They said the conducted an investigation but will not send me the results of said investigation. I should have never have to pay for a charge I did not make or authorize
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address the violations of federal laws by the following accounts and credit bureaus : XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX. According to XXXXXXXX XXXX XXXX  ( XXXX ), credit bureaus are obligated to ensure the maximum possible accuracy of the information they report. The inaccuracies in my credit reports violate the following laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681e ( b ). Therefore, I request the deletion of these inaccurate accounts. 

Account Details : Account : XXXX Issue : Incomplete Information Details : XXXX shows a high limit of {$320.00}, while the other credit bureaus show nothing. Additionally, there are XXXX different dates of last activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Violation : This discrepancy violates 15 USC 1681e ( b ). 

Account : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX shows a high limit of {$410.00}, while the other credit bureaus show nothing. Additionally, there are three different dates of last activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Violation : This discrepancy violates 15 USC 1681e ( b ). 

Account : Credit Acceptance Issue : Inconsistent Payment Status Details : The payment status differs between the three credit bureaus : XXXX : 120 days past due XXXX : 180 days past due Equifax : At least 120 days past due Additionally, there are XXXX different dates of last activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Violation : These discrepancies violate 15 USC 1681e ( b ). 

Account : XXXXXXXX XXXX Issue : Incorrect Account Types Details : The account types are inconsistent : XXXX : Open account XXXX : Collection Equifax : Collection Additionally, the dates last reported are inconsistent : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX ( with no reporting from Equifax ) Additionally, there are three different dates of last activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Violation : These discrepancies violate 15 USC 1681e ( b ). 
Conclusion : If there is one source of information, the reported data should not vary. These discrepancies prove that an actual investigation never took place. Therefore, I demand the deletion of the inaccurate accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX BANK ACCT XXXX FTL FINANCE ACCT XXXX XXXX FIN AM ACCT XXXX XXXX XXXX ACCT XXXX PROF DEBT ACCT XXXX NATLCRSYS ACCT XXXX XXXX OF XXXX ACCT XXXX DISCOVERBANK ACCT XXXX CREDITONE BNK ACCT XXXX XXXX FCU ACCT XXXX CAPITAL XXXX ACCT XXXX JPMCB CARD ACCT XXXX PROFESSIONAL DEBT ME XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX XXXX they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX XXXX XXXX they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Navient owns XXXX different student loans of mine ; XXXX federal and XXXX private. I called to request a lower payment option as they were increasing my monthly payment significantly, and they would ONLY lower my payment if I would agree to a graduated repayment plan that will increase my loan payment by 400 % in two years. I requested to extend my loan terms in efforts to negotiate but I was told that because my loans did not total {$30000.00}, they could not extend the terms. My loans currently total XXXX. I was {$200.00} under this magical {$30000.00} mark, and they refused to assist or make an exception. I waited on hold for XXXX hours to " resolve '' the issue and this was the only way I was informed that I could make my loans affordable.
Product: Credit reporting or other personal consumer reports

They used my credit without my consent, I just opened an account and then they made me offers.
Product: Debt collection

IC SYSTEMS INC account no.XXXX is appearing wrongfully on my XXXX and XXXX credit reports.I recently disputed the debt with XXXX  as not mine and it was " verified '' as mine within 2 days.During that time it also appeared on my XXXX report.The original creditor is XXXX.This is not my debt, I was not living at the address at the time they say I was delinquent.The debt is an error or belongs to someone else even if they used my ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided everything that the credit company required me to give to them. They said I needed to give them my proof of address, my ID, my social and my police report. I provided all of this to them and they said it would take 48-72 hours for me to see the items removed and they have everything that they asked for.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Vehicle loan or lease

I paid my XXXX bill on the XXXX I called in on the XXXX and the XXXX and was assured even though that was day XXXX that it was not being reported to credit agency due to the payment being made and then used that to attempt to collect a debt ( on a recorded line ) then I saw they have reported to all three agencies, I called the company XXXX and was hung up on repeatedly after I made them aware of the mistake. So in summary they lied in order to collect a debt. Which is ILLEGAL.
Product: Credit reporting or other personal consumer reports

Experian and XXXX are reporting that I Owe the XXXX XXXX XXXX on my credit report and reporting a collection. I do not know who this company and I have never been in agreement with them. I Did not open an account with them in XXXX of 2024. Remove this off of my credit is you can not provide me a Written agreement with the XXXX XXXX XXXX that legally binds me to this company. I will like for this to be remove and deleted off my credit report ASAP! This False Information. 


Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies12. It requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer
Product: Vehicle loan or lease

I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then
Product: Checking or savings account

I bank with Randolph brooks. My XXXX year old son is on my account to deposit his payroll Checks. In XX/XX/XXXX he mobile deposited a check for XXXX $ XX/XX/XXXX at XXXX XX/XX/XXXX. He then deposited the same check on XX/XX/XXXX. The bank successfully cashed his check. A week later XX/XX/XXXX. The check was returned insufficient. Hello he had already cashed this check. How they did not catch this that day is beyond me. Randolph brooks then takes the XXXX $ out of MY account along with a XXXX $ check fee. Depleting my savings. They refuse to refund my money although this carelessness was completely on them. Im now without bill money for the month. Because of their mistake. I put my trust in this bank, and they completely mishandled my funds. Keep in mind my son does not even have identification. But was able to walk into the bank and cash the check that had already been cashed. He also had a XXXX  balance in his account at time if transaction.
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is EXPERIAN 's to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX XXXXXXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 60 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

I closed account with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX about 3 years ago. I closed the account at XXXX XXXX XXXX XXXX XXXX XXXX and paid whatever balances I had. Then I received a bill again after closing so I went to the XXXX XXXX XXXX XXXX XXXX and checked with them for whatever balances I have to pay, Then they told me to return the internet and cable boxes with XXXX and I did so this balance maybe voided. I checked with them for all my balances and there was none and confirmed that my account is already closed. Besides, I pay my bills automatically online. I was surprised that this company which really does not have any customer service ethics sent this alleged debts to various billing collector agents which have bugged me for more than 3 years now. This has even done a great dent on my credit score. During the first few months, I kept receiving calls and letters from them, just to settle the debts, I sent them a check for XXXX which they were asking at that time, I don't remember which collector that was. Since I'm paying online I don't have any receipts and I couldn't find the receipts I paid XXXX XXXX XXXX XXXX. 
Today I received this bill XXXX from ERC with all the provisions for payments. 
It is not that I do not like to pay, but I know in my heart that I do not owe XXXX XXXX XXXX any amount. Truth is they even duped us of the packages that they offered at that time. You can check all my credits and there isn't a single complaints on me except this, which I know I do not have any liability whatsoever. 
Please help me with this. I would appreciate should any action be taken especially now during this unprecedented times.