23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXX, I hope this email finds you well. I am writing to bring your attention to a persisting issue regarding the incorrect reporting of my paid-off credit with your company. Despite my repeated attempts to rectify the situation by contacting you, the problem remains unresolved, leading to significant inconveniences and financial setbacks on my part. 

Firstly, I want to acknowledge that I appreciate the assistance provided by your team in furnishing me with a letter to present to the credit bureaus. However, despite submitting the necessary documentation, the erroneous account information is still being reported on my credit report. This incorrect reporting is not only negatively impacting my credit score but also hampering my chances of securing credit loans promptly. 

Furthermore, as a direct consequence of the inaccurate credit reporting, I have been subjected to higher interest rates on approved credit applications. This situation has put me in a disadvantageous position and is causing undue financial burden. It is essential to rectify this issue as soon as possible to restore my creditworthiness and avoid any further repercussions. 

I kindly request your immediate attention to this matter and ask that you take the necessary steps to update the information on my credit report accurately. I understand that resolving such issues can take time, but considering the impact it has on my financial well-being, I urge you to expedite the process. 

Please provide me with a clear timeline for when I can expect the correction to be reflected on my credit report. Additionally, I would appreciate regular updates on the progress made towards resolving this matter until its satisfactory conclusion. 

I trust that you will prioritize this issue and handle it with the utmost urgency and professionalism. Thank you for your prompt attention to this matter, and I look forward to a swift resolution. 

Yours sincerely,
Product: Credit card or prepaid card

I have been with BJ 's Comenity Bank Card since XXXX. I am listed a having positive activity never late always paid in full no matter how high the balance. On XX/XX/XXXX I placed a special order with XXXX XXXX using the Bj 's Comenity Card in order to place the order with an approximate delivery date in XX/XX/XXXX. In the interim there had been fraud on this card. I reported it to Comenity Bank and they issued a new card with a new number. I had an issue with Comenity and wound up closing this account as well. The last transaction on the new card was XX/XX/XXXX. Both accounts were paid in full and both accounts were closed. I now called XXXX XXXX to give them a different credit card company to use for when my order was to be processed. I then receive a statement from Comenity on the new account which was closed with a posting date of XX/XX/XXXX for a purchase mount {$2300.00}. I still had not received the order and this was put through on a closed account. I contacted XXXX XXXX and was told there was a mix up and they used the Comenity Card instead of the new card I had provided. I canceled the order with XXXX XXXX and they issued 2 credits XX/XX/XXXX {$2100.00} and XX/XX/XXXX {$260.00} = {$2300.00} Credits applied to original Comenity account the only card XXXX XXXX had on file. I then called Comenity and was told they would put in a dispute. I asked how could they let a charge go through on a closed account and was told they had the right since the card was used as a hold back in XXXX. I informed them about the credits as they said they would look into it. The credits were uploaded to Comenitys secure website. Everytime I called I spoke wit someone different and my confirmation was always the dates I called ; with no results. I asked how is it that you can find the latest account which I never gave to XXXX XXXX  to bill me and now you can't find the original account to credit me since I was told both accounts were linked. I am receiving statements with late fees and interest and harassing phone calls to my cell and home number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On our XX/XX/XXXX XXXX  XXXX XXXX mortgage statement, the fixed principal balance is {$190000.00} Original XXXX balloon mortgage was opened in XXXX with {$200000.00} balance. It was converted to {$200000.00} fixed mortgage with non-interest balloon in XXXX. On or about XX/XX/XXXX the mortgage or about was sold/ transferred On or about XXXX XXXX transferred/sold the account back to XXXX XXXX  XXXX XXXX has and continue to report to all Credit Bureaus conflicting, erroneous, and negative data which have had negative and adverse impact on all three Credit Bureau Reports . As a result of this, I have been denied twice because mortgage balance owed on account is too high I have tried for two years to correct this on my credit reporting by filing disputes with XXXX  XXXX XXXX XXXX of the President, CFPB and all three Credit Bureau with no success. 
Errors include, but not limited to : XXXX  XXXX XXXX ( website/statement ) Opened XXXX Original balance XXXX Current Balance XXXX Current interest rate XXXX Transferred to XXXX XXXX XXXX Credit Report XXXX  XXXX XXXX Open Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX High Credit XXXX Months reviewed 99 Balloon payment {$180000.00} XXXX XXXX XXXX -closed Date open XX/XX/XXXX Date closed XX/XX/XXXX Balance {$0.00} High credit XXXX Months reviewed 12 Date Reported XX/XX/XXXX Balloon payment {$0.00} XXXX XXXX XXXX ( Closed ) Date opened " XX/XX/XXXX Date Closed XX/XX/XXXX Balance XXXX Months Reviewed 13 Balloon payment ( blank ) Experian-Credit Report XXXX XXXX XXXXXXXX ( Open ) Date opened XX/XX/XXXX Date of updated XX/XX/XXXX Balance XXXX High Credit Months Reviewed 66 ( 18 months -ND ) Date reported XX/XX/XXXX XXXX XXXX ( Closed ) Date opened XX/XX/XXXX Date closed XX/XX/XXXX Balance XXXX Months reviewed 13 Date reported XX/XX/XXXX XXXX -Credit Report Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XXXX Months reviewed 76 I have included Credit Reports I pulled on or about XX/XX/XXXX well as a spreadsheet ( data from credit reports and XXXX bank statements ) which will highlight errors. 

I would appreciate any assistance you my give me. My email address is XXXX or I may be reached by phone at XXXX feel free to leave message. 

Thank you XXXX XXXX Attachments
Product: Vehicle loan or lease

I found out on XX/XX/XXXX that a car note was fraudulently opened in my name through Bridgecrest financial in order to purchase a XXXX XXXX XXXX from XXXX for {$38000.00} around the end of XXXX, XXXX. I notified XXXX and Bridgecrest. Recommend investigating the loan officer and salesperson for complicity since the identification used doesn't match my actual address or previous addresses.
Product: Credit reporting

Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our XXXX.
Product: Credit reporting or other personal consumer reports

I got a alert from my credit monitoring service that my credit score has decreased XXXX points after I opened a new XXXX XXXX  account I have never in 40 years in the credit space seen a XXXX point drop for a {$500.00} credit card I don't Know if there is a glitch in there system or they are trying to keep consumer scores down by doing un-ethical reporting, this is not ordinary, if you can not tell me a legal reason why would opening up a {$500.00} card would ae anyones credit score drop XXXX points Then Update my credit score to the appropriate score I worked for to get me and my family ahead.
Product: Mortgage

Loan number XXXX Dear Seterus, My husband XXXX XXXX passed away in XX/XX/XXXX. The first payment I made to XXXX was missed by XXXX, the account number with XXXX  XXXX. Later the loan was sold to Seterus, account number is XXXX. I never paid late to both XXXX and Seterus, but they charged me the late fee because that missing payment by XXXX. Finally, my son accidentally paid all the late fee in XX/XX/XXXX, where I was in XXXX, he paid to Seterus in the amount {$1500.00}. I had to call many times both to XXXX and Seterus. I had to file a case with CFPB first time in XX/XX/XXXX, the case number XXXX, second time with CFPB in XX/XX/XXXX, case number, XXXX. XXXX did issue me a check in the amount of {$970.00}, the same amount XXXX miss calculated the payment I sent to the bank after my husband passed away. Seteurs denied my complaints and sent me letters inXX/XX/XXXX and in XX/XX/XXXX said I am not the authorized representative. I was never refunded the late fees we paid inXX/XX/XXXX. I am the owner of the property, the title is in my name right now, I have attached the court document. My number is XXXX XXXX. 

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

Credit bureau has not provided the details that were verified with the creditor. I stated there were multiple inaccuracies with XXXX account and it was over 7 years old.  the original deliquency date was somehow removed in XXXX which is now show XXXX with XXXX XXXX. Also, the amount of the debt is incorrect as I have discovered with the creditor should have been {$240.00}
Product: Mortgage

I have a three months modification trial, I made all my three payments on time, but never got a final modification because my loan was sold to a different bank and the new bank not honoring my modification and going through with the forclosure on my home. That should be illegal, these guys are bunch of XXXX playing with people lives and deals and they should be stored, cuz they are doing it to a lot of innocents hard working people, that all they want is save their home and dignity. Thank U.
Product: Checking or savings account

I recently opened an account with citizens bank and there are a lot of fraudulent charges on my debit card, totaling up to XXXX. I am a student and this is my fees money that I had been saving and deposited all my money in their bank. My school will withdraw my application and cancel my admission and life would be over if I dont pay my fees this week. I need help and my money back. All these charges are fraudulent. I have never in my life used XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has made derogatory marks to harm my reputation by using credit reporting bureaus to falsify documentation alleging the existence of a debt. I have never contracted with this company and disputed the alleged debt of {$660.00} ( as of today ). A dispute was filed and marked completed as of XX/XX/XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), all credit reporting agencies must validate any alleged debt submitted with the original contract containing the alleged debtor 's signature. XXXX XXXX failed to present this information to any credit reporting agency before, during, or after the dispute. TransUnion also ignored their obligation under FCRA by publishing the alleged debt without proof of an obligation. XXXX XXXX has continued to report these marks and has refused to provide any evidence that an enforceable contract exists. This reporting has hurt my reputation for several years and has unlawfully decreased my eligibility to obtain credit.
Product: Debt collection

I made contact with IDEAL COLLECTION SERVI XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX with CERTIFIED MAIL # XXXX XXXX XXXX XXXX on or about XXXX with the company in regards to the so called debt. I forwarded them information that was requested from them which provided identification. 
I also mailed them my copy of identity theft report showing that my information was stolen. I also sent them affidavit of fact which was notaries. I also requested that they mailed me any proof. I never receive any correspondent form them. I ' m trying to achieve the American Dream purchasing a house however, this collection account which is not my is hindering me form achieving that Dream.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

EXPERIAN, XXXX AND EXPERIAN HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT THATS NOT MINE, INACCURATE. 
ACCOUNTS NOT MINE : XXXX XXXX -- XXXX XXXX    XXXX -- XXXX XXXX -- XXXX -- XXXX XXXX XXXX -- US DEPT OF ED/XXXX -- XXXX XXXX XXXX  --
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX//2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX//2017. 

XXXX XXXX has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. 

I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. 

I called XXXX XXXX and disputed with the credit bureaus repeatedly without their taking any action to help me. 

XXXXXXXX XXXX account # XXXX Balance approximately {$6000.00} Home Equity line of credit
Product: Prepaid card

I purchased a ReloadIt pack and loaded {$240.00} on it to put on my prepaid debit card. After loading the pack it was said that I had to open a safe on Reloadit.com and add the card that I want to load in the safe. After adding the card and the reload pack to the safe, I attempted numerous times to load my card to get a message that says card is being verified. On the pack it says instant load. I called Reloadit and the representative says it takes 4hrs and its a federal government regulation. I asked for where it says that and she said in the terms and condition, when asked what part she hanged up the phone on me. I called again and was told its in the arbitrtation agreement and it is a federal law for the wait. But again it says instant reload.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am the account holder for routing number XXXX XXXX XXXX and checking account number XXXX XXXX XXXX XXXX The problem is that repeated charges are applied and posted to my my account in the same month. 
I am a social security XXXX recipient since XX/XX/2014 with ssd. Gov. 
Also my account ends in negative balance every month. 
Is someone hacking my account. 
Why is my account incorrectly managed?
Product: Mortgage

Freedom Mortgage has sent out loan modification paperwork to me multiple times. I don't get them until the deadline to file is past. The last packet was dated XX/XX/XXXX and application deadline of XX/XX/XXXX, but it did not get to me until XX/XX/XXXX. I still send the information back to them, but I never get a response that states whether the modification was approved or denied. Also during the foreclosure process the stopped taking payments. The last payment was made in XX/XX/XXXX, the XXXX payment came back as insufficient funds, yet the funds are still sitting in my bank account. They also have kept sending me the monthly statements which shows the total reinstatement amount due. But they said they won't take that amount, the attorney at XXXX XXXX has to take the payment. XXXX XXXX states that their only fee is the filing amount, but the difference between the statement amount and the amount from XXXX XXXX is {$2000.00}. Please help, they could care less about helping people and just want to take their homes.
Product: Student loan

Being laid off from work has led me behind on a few payments. Everyday I receive a call every hour on the hour starting at XXXX spanning to XXXX. I have requested that my house number not be called because it wakes everyone up. Even after requesting my house number not be called, I receive more calls.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I took my car into XXXX dealership to sell my car. I provided the dealership with the payoff amount. XX/XX/year> the bank reflected on my account that the balance was paid off and closed. I then took that information and reported it to the credit bureau and XX/XX/year> they said the disputes had been opened. I received a email from XXXX saying that the information will remain on the account. This information is inaccurate and should reflect the correct information that the account is paid and closed.
Product: Credit card or prepaid card

I bought my wife 's engagement ring from Zales. I financed some of the purchase with their Zales card. I was told at the time of purchase the balance was interest-free for 18 then after 18 months the balance would start to accrue. My 18 months needed last months. At that time I owed a balance of $ XXXX. Three days ago I received my new balance with a balance of $ XXXX. I called the Zales customer care department and was told that the card was interest-deferred. The amount of interest for the entire purchase was added to the balance. I attempted to contact multiple supervisors to get a fair resolution to this problem without success. The Zales company is using dishonest sales tactics on their customers.
Product: Credit reporting or other personal consumer reports

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI XXXX XXXX XXXX {$160.00}
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX with a different account number. XXXX in XXXX and XXXX in XXXX have 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 can not furnish an account without my written instructions.