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

On XX/XX/XXXX, I submitted a CFPB complaint ( # XXXX ) detailing how XXXX, XXXX incorrectly reported a missed payment for XX/XX/XXXX to my credit report. XXXX admitted the error, apologized, and sent a letter to the credit bureaus advising them of the error. 

However, in the reporting cycles since then, they once again, started reporting the incorrect missed payment for XX/XX/XXXX. I disputed the missed payment with TransUnion, who contacted me to let me know that they would not be correcting the information on the report. 

I have ONCE AGAIN attached my screenshots and correspondence from XXXX  noting the incorrectly reported missed payment and their apologies. Please please please let this be the last time of me dealing with this and fix my credit report!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

We have a mortgage with OCWEN Loan Servicing LLC . We got behind. Now its out of control. Received Pre-Forclosure Letter dated XXXX/XXXX/2017. I called spoke with XXXX ( since our assigned customer service rep was again unavailable ) We discussed the account, to do a repayment plan we needed to pay half of the arrears, plus late charges. The amount was {$3900.00}. It would require {$1900.00}. Which we did not have. I informed the csr that taxes were filed and due no later than XXXX XXXX, 2017. Without the {$1900.00} we would need to file a request for modification. At this time I was told Foreclosure had not started. I went to the web site and had issues getting to the forms. I made our payment of {$970.00} on XXXX/XXXX/2017. Then on XXXX XXXX, I called OCWEN back. I got a csr XXXX, the amount was now {$4900.00}. We discussed a 5 month repayment plan {$1000.00} down and payments of $ XXXX.Again no foreclosure in process. XXXX would put the paperwork for approval. On XXXX XXXX, I called back, and was connected with XXXX. XXXX informed the repayment plan could not be accepted since we were in active foreclosure. The amount in arrears is now {$5900.00}. In order to stop foreclosure proceedings we need to file a Modification Request. XXXX explained the process, we prefilled forms out and he would e-mail them to me. I have received the forms and its proving to be nightmare getting them out of PDF so we can fill them in/sign and return. As of today XXXX XXXX, 2017 we have not received anything in writing from OCWEN on the status of our mortgage. We did a modification 7 years ago after I lost my job. In the end, according to the paperwork we will owe a balloon payment at the end of our 30-year mortgage of {$180000.00} Which basically is where we started. I am so confused, We do not want a modification, but a repayment plan to get back on traack. We can not afford to loose this house. We do not have the funds to move 20+ years of stuff, nor time to do so, at this accelerated process.
Product: Debt collection

I filed my XXXX IL income taxes late. This resulted in a penalty. Illinois Department of Revenue billed me about {$1000.00}. I entered a payment agreement with them. To date, I have kept up my end of the agreement. I have made two payments for {$100.00}. One was made before agreement was set up, other was made XX/XX/XXXX, on schedule. Additionally, I paid a {$180.00} down payment. 

The purpose of entering the agreement was to PREVENT the debt from being sent to a collection agency. I did not want a smear on my perfect credit rating. 

Yet despite this, Illinois Department of Revenue sent my debt to Transworld System Inc. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, IL XXXX XXXX XXXX Transworld made a derogatory credit bureau filing which has already impacted my relationship with XXXX XXXX, and now they're harrassing me by calling my cell phone XXXX XXXX XXXX. 

Please cause Illinois Department of Revenue and Transworld to cease and desist collection action.
Product: Debt collection

I sent letters requesting debt validation to Caine & Weiner in XXXX XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. In XXXX Caine & Weiner provided me with a document with my name and address and an amount that they saying I owe them {$170.00}. I responded in XXXX asking for more details. Caine & Weiner has not responded to any of my other letters however on XXXX XXXX XXXX this company placed a collection on my credit report.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX CHRYSLER CAPITAL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Request for XXXX  Adjustment - Account : CHRYSLER CAPITAL, Account Number : XXXX Dear CHRYSLER CAPITAL, I am writing to address the late payments reported on my most recent credit report for my CHRYSLER CAPITAL account, with the account number XXXX. I acknowledge the importance of timely payments and understand the challenges it presents to your operations. I want to bring to your attention the circumstances that led to the missed payment on my account. Unfortunately, I experienced severe illness and XXXX resulting in missed payments. These late payment remarks have adversely impacted my life, causing missed job opportunities and preventing me from closing on a home for my family, all exacerbated by the challenges posed by the XXXX pandemic. I sincerely apologize for any inconvenience caused and want to assure you that steps will be taken to prevent a recurrence. I recognize the responsibility for these late payments lies with me, and I deeply regret the situation. I value our business relationship and have committed to ensuring timely payments moving forward. Considering the challenges I faced, I kindly request your understanding and goodwill in removing the late payment remarks from my credit reports. This gesture will significantly contribute to rebuilding my credit score and maintaining a positive standing with your company. 

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

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; DEPTEDXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1500.00} ), DEPTEDXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4700.00} ), DEPTEDXXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2400.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

This company has engaged in intimidation tactics and harassment, as well as violating the Fair Debt Collection Practices Act. 

They started contacting me on XX/XX/XXXX using a 3rd party called XXXX XXXX XXXX. This 3rd party contacted my brother as well on this day. Both messages mentioned that a civil suit was scheduled to be issued in XXXX county. Asking me to contact Global Resolution Services. 

XXXX XXXX XXXX contacted again on XX/XX/XXXX asking me to get contact Global Resolution Services regarding a pending civil suit scheduled to be filed out to XXXX county. 

The advocate program, I'm assuming another 3rd party contacted me on XX/XX/XXXX for an upcoming appearance in XXXX county. They apologized and said the suit is still going through tomorrow. They asked me to contact Global Resolution Services. My brother was contacted again and my mother was contacted for the first time. 

The advocate program contacted again on XX/XX/XXXX for an upcoming appearance in XXXX county. They apologized and said the suit is still going through Monday morning. They asked me to contact Global Resolution Services. 

Global and associate, I'm assuming is Global Resolution Services contacted me on XXXX for a case that their office is handling that is pending litigation. If they didn't hear from me by end of day they would mark as an intentional refusal to comply. If I refuse to contest the allegations a default judgement will be filed without my consent. They contacted my brother again, my mother again, and my father. My mother did answer this call to ask them to stop calling and they discussed details of the alleged debt with my mother. 

This company has shown a pattern of intimidation by threatening litigation and a cilvil suit for over 2 months. This has caused me emotional distress. 

They have violated the Fair Debt Collection Practices Act by contacting my family members multiple times and discussing details of the alleged debt with my family. 

Cease and desist is being mailed out XXXX.
Product: Payday loan, title loan, or personal loan

I borrowed XXXX from XXXX in XX/XX/2018.The interest on the loan is 720 %, which ends up being XXXX interest. I paid XXXX for the loan back already. I started to research the loan company to find that the company isn't legal in my state. According to my state I have to pay back the amount borrowed and principal which I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing LLC Report My account being Late payments for XX/XX/XXXX. That preventing from qualifying for mortgage loan with XXXX XXXX. Which I never been late. I was paying my attorney to help me to keep my home. Which they advise me to sell my home. Which I agree to sell my home and pay the remaining balance on my mortgage with Specialized Loan Servicing LLC in the amount of {$100000.00}
Product: Mortgage

This company has taken our dream and crushed it beyond repair. They have misapplied all my payments. The taxes were incorrect on our property. I started in XX/XX/XXXX submitted the corrected bills, they still did nothing. Now it is XX/XX/XXXX and we are still at square one. Total, I have submitted the needed paperwork XXXX times. They have the account so twisted, I am not sure what kind of money I should have in escrow and what should have been paid back to us. Please help us. They are trying to take our house away. We are XXXX time homebuyers and wish we could just get some help. I contacted the XXXX and this company has not responded to them either. Please please please we beg you to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX XXXX located in XXXX, OH. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$650.00} XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Bank account or service

Chase Bank charged me XXXX overdraft charges on transactions when my account should have had an adequate amount of money in it to cover them, had they processed my claim earlier rather than waiting almost a full month to provide me with a temporary credit onClaim # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX  {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDXXXX  {$0.00} Closed 3 late payments all not mine and filed ftc dress XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address not mine XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/2020 StatusCollection account. {$210.00} past due as of XX/XX/2020. 
Status UpdatedXX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am writing this letter today in reference to my Experian credit report. After reviewing my credit report, I noticed Experian still Chose to continue to report XXXX XXXX XXXX as a negative remark on my report. I disputed this item on XX/XX/XXXX and today XX/XX/XXXX, I received my results as UPDATED. I contacted XXXX XXXX and was told that that no longer have the acct. XXXX [ customer service rep ] informed me of a different number to contact with no further response. I contact Experian back and spoke with XXXX, he stated that it was sold to another Lender.
Because this account was included in my bankruptcy on XX/XX/XXXX, I would like for this account to be removed from my Experian credit report. It has already been removed from XXXX and XXXX credit files. I need this item removed because it is hindering my process to prove that I am credit worthy. 

PLEASE REMOVE IMMEDIATELY and THANK YOU in ADVANCE XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have my XXXX XXXX credit card opened on XX/XX/22 as currently in dispute and which is incorrect I need my account to be taken out of dispute status because it is not in dispute with the lender or any credit bureau so incorrect furnishing of credit account I need them to take my account out of dispute status and update payment history and account data.
Product: Debt collection

Sallie Mae representatives, despite me being current on my loan, have been harassing my mother, her boyfriend, her boyfriend 's parents, and his brother 's in-laws, regarding my status and personal information. Completely unacceptable as I do not even have contact with these people and the latter I never even met. They ask about my personal information, They constantly call all hours of the day, including their at place of employment where they requested that stop.
Product: Debt collection

XXXX XXXX XXXX is the phone number that is calling. They have left several threatening voice mails on XX/XX/XXXX and XX/XX/XXXX claiming that I would be arrested if I did not pay. They have also contacted my father, claiming to be a company that I applied for a job with and that his was the number I have them when I applied for the job. I have never applied for a job with them.
Product: Mortgage

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX Re : Loan # XXXX, Borrower : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX 
XXXX VA XXXX. Recently transferred to XXXX XXXX, Loan # XXXX XXXX : Office of the President Certified Mail # : __________________________________ Dear President : Im writing the present letter to express my disappointment with the service received for the reference loan when it was under your administration. My mortgage account was transferred to another servicer, XXXX XXXX, without solving the main issue pending resolution since XX/XX/XXXX, after completing my three required trial payments of {$1900.00} ( XXXX, XXXX, and XX/XX/XXXX ). 

Since XX/XX/XXXX, I have contacted weekly your almost impossible to reach customer service number XXXX XXXX XXXX XXXX to request my approved final loan modification agreement. However, every time I called, I received the same answer : my case was approved, and the final documents should arrive soon to sign and notarize. Your representatives always apologize for their delay and explain that this delay came from the high number of similar cases handled by your company, which was understandable initially, but later became an absolute nightmare. 

Even though I completed my three trial payments, your representatives asked me to continue doing it in the following months. So I did it in XXXX and XX/XX/XXXX, payments for {$1900.00} ; however, when I tried to make my payment in XX/XX/XXXX, your representatives requested a higher amount of {$2100.00}, and then they continued requesting this last amount for XXXX and XX/XX/XXXX. 

Since XX/XX/XXXX, I have received several letters from your company requesting your signed Loan Modification Agreement that I never received. Moreover, every time after a letter, I contacted your customer service number. Your representatives stated that I should disregard those letters because they know in their system that the final documents are still pending to mail it. 

Last month XXXX, I was surprised to receive a letter from you stating that my mortgage account will be transferred starting on XX/XX/XXXX, to another mortgage company ( XXXX, XXXX # XXXX ). Your company initiated this process, aware that the main issue of the loan modification completeness was still pending to be resolved. 

I contacted XXXX XXXX today, and they confirmed that they have my account but no information in regards. They asked me to wait fifteen days to have at least some information about my account. 

This is the best description that I can get to explain my current situation and my deep disappointment with this process. I urged you to intervene and find a common-sense solution to allow me to preserve my home. 

Please understand that I was waiting more than six months for your documents to officialize the loan modification decision taken. 

I will be waiting for your response, Very truly yours, XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX VA XXXX Copy : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( HUD Certified Counseling Agency )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. 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 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.