23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good afternoon, I sent my right to cancel in on XX/XX/202 at approx. XXXX XXXX/L to the message center and to XXXX XXXX the following week I received a check from XXXX XXXX XXXX. I began to reach out and find why I received the check and what they wanted me to do with it as I had canceled the refi process. On Monday the XX/XX/XXXX I called Freedom Mortgage and spoke with a XXXX XXXX. I explained my situation to XXXX he informed me that he was reaching out to XXXX and his supervisor and would call be back. On Wednesday  XX/XX/XXXX I called Freedom Mortgage and spoke with a XXXX XXXX. I explained my situation to her and informed her who I spoke with she said she was look into it and get with a supervisor and would call be back that day. On Thursday XX/XX/XXXX I called Freedom Mortgage to get a status update and XXXX happened to answer the phone again. We had a discussion as to what was going on and why he didnt call back. I asked to speak with a supervisor and was transferred to XXXX XXXX. I explained to XXXX the situation she said she would call me back within 24hours to give me a timeline I waited approx. 28 hours before I tried to call her back on her direct line, she provided to me when we spoke. The call was not answered I left a voicemail. I received an email from XXXX XXXX on XXXX and approx. XXXX/L had no update on timeline for correction. I called XXXX XXXX direct number on XX/XX/XXXX as I have not heard anything with no answer. I then call the customer service number on the website and ended up getting a phone number for management team. ( XXXX ) XXXX XXXX, the number provided hangs up as I was not provided a state code. I called back after googling a state code and was told I had the wrong department. I was transferred to customer care spoke with XXXX ( XXXX ). XXXX said he sent my information to XXXX XXXX but she was in a meeting. XX/XX/XXXX approx. XXXX/L I have not heard back from anyone at Freedom Mortgage, logged into website no changes indicated there. They have had ample time ( 10 business days since I made them aware 23 days since loan funded after XXXX filed ) to provide a timeline and or correct the problem. No communication initiated by Freedom next step file complaint with CFPB.
Product: Credit reporting or other personal consumer reports

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. Account - XXXX ( # XXXX ) has violated my rights. 

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 15 USC 1681 ( e ) ( b ).

Going by 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Citi credit card opened a credit card without my authorization or knowledge. It was opened XX/XX/year> with a XXXX limit. I recieved a statement in the mail for this card in XXXX. I immediately called the credit card company to let them know I did not open this account nor had any acknowledgment of it. They said they were going to flag it as fraud and it would be closed and removed from my credit report. Every month after, I have had to call and talk to numerous people explaining the same thing to them. Every time they tell me it is flagged as fraud and still appears on my credit reports. It has also made my score go down, witch prior and still everything that is actually mine on my credit reports are in excellent standings. I filled two identity theft.gov reports and have talked to and written all three credit bureaus.
Product: Vehicle loan or lease

I paid off my lease on XX/XX/XXXX with a cashiers check in the amount of {$13000.00}. As of today, I still have not received the title. The car is unregistered and undriveable at this time because I have no proof of ownership. PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

Violation of Consumer Rights under 15 U.S. Code 1681c-2 Request for Immediate Resolution I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Identify items that are located in my files attached. This information does not relate to any transaction that I made ; I have enclosed a copy of my Identity Theft report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block identity theft. Please let me know if you need any other information from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed on my credit report inquiries that i have no knowledge of. The following inquiries are : XXXX XXXX XX/XX/XXXX, XXXX XXXX & XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I was advised to file complaint with you for a removal of these 11 items.
Product: Debt collection

I called the job I worked @ and they got in touch with the insurance co which emailed me yesterday and it stated I was covered under insurance going back to 2017 and the office never submitted the bill for payment. XXXX also stated it is too late to send the bill now for paymentt. I emailed the response over to Phoenix Financial XXXX yesterday. I also called the credit agencies to get it off my report which dropped my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit card

On XX/XX/year>, my husband and I were vacationing in XXXX XXXX XXXX XXXX XXXX XXXX 
We booked a day tour with XXXXXXXX XXXX XXXX XXXX XXXX on the nearby XXXX XXXX XXXXXXXX and XXXX XXXX. We traveled by ferry to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX was supposed to meet us in a XXXX to tour several sites on the XXXXXXXX XXXX  XXXX was over XXXX minutes late picking us up... we didn't realize until we left in his XXXX that the entire island was flooded and the majority of the roads, beaches and sites we were told we would be visiting were flooded and closed due to heavy rains. 
XXXX insisted on driving us around for several hours through flooded roads and across a flooded causeway. The caves were closed by the local governments due to flooding. We didn't get to see any of the sites that were promised. 
We requested a reduction in his price due to the lack of sites we were able to experience. He refused and insisted we pay if we wanted a ride back to the ferry! 
He THEN TOOK US TO A LOCAL FILLING STATION, XXXX XXXX XXXX XXXX XXXX who provided us with NO SERVICES and insisted we pay {$510.00} with our credit card on their merchant machine. After we paid, he returned us to the ferry over XXXX hours before our excursion was suppose to conclude. 
When we returned to the resort I complained to the concierge who suggested I dispute the charge when we returned to the XXXX. 
I have disputed this twice with Barclays who is the bank for my Wyndham Rewards Credit Card Company. They have refused to credit me because the transaction was a face to face transaction, but what choice did we have? We were in a foreign country on a deserted island and needed to get back to the ferry so we could be transported back to the island where our resort was located. He basically extorted money from us. 
I've attached all receipts and documentation showing we had email confirmation with XXXX XXXX XXXX XXXX XXXX, but the receipt for {$510.00} is with XXXX XXXX XXXX XXXXXXXX XXXX. I've also included all documentation with Barclays regarding my request to dispute this charge and credit my account, along with their denial letters. 
My XXXX XXXX with Barclays is : XXXX. I have faxed my information to them twice now. Once on XX/XX/year> and again today, XX/XX/year>. 
I sincerely appreciate your assistance with this complaint and I look forward to hearing from you. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX XXXX three times already. I demanded a collection removal because the account on my report says it was opened on XX/XX/year>. I explained that I was NOT living in the United States XX/XX/year>. So therefore, Its not possible for me to open an account. I submitted multiple documents to prove my residence in XXXX, and they are choosing to ignore the facts, or, they are choosing to not do the proper investigation. They choose to defame my name by not removing this inaccurate information. This goes against the FCRA rules. Again, I have attached my leasing document from XXXX. Ive even gone as far as taking a picture of my XXXX  stamps in my passport to show that I was not in the United States when this account was opened. Attached is my XXXX residence permit, XXXX drivers license, also XXXX bank card. Everything needed to prove my XXXX residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to XXXX, Transunion and XXXX  for correction but everything keep coming back as verified and that is n't the case 1. My personal information has been put on a freeze with XXXX XXXX on XX/XX/XXXX but XXXX, Transunion and XXXX states that my bankruptcy has been verified through XXXX XXXX on 3 different occasions and the same for a Tax Lien with XXXX. 2.XXXX keep stating XXXX XXXX Credit Card is verified as  Open when my dispute clearly states that it is to be charged off with bankruptcy and after speaking with the company it is still closed so their verification is not reliable. 3.I tried disputing late payments with XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX ( XX/XX/XXXXXXXX XXXX ) and XXXX for student loans but keep getting the run around stating its nothing they can do because my account has been transferred to XXXX XXXX but XXXX XXXX would not address the issues of original creditors 4.XXXX reports late payments from XX/XX/XXXX-XX/XX/XXXX, and XXXX XXXX late payments XX/XX/XXXX-XX/XX/XXXX all when I was under a open Chapter XXXX 5.All 3 bureaus added my old names back to account and will not removed misspelled with pass addresses names off along
Product: Credit reporting or other personal consumer reports

I request a validation letter of a collection agency and didnt receive anything.I requested Equifax to remove the collection from my credit report, the responded with they did an investigation and the debt was verified. I requested to know what was the investigation process since the collection agency violated the FDCPA and their failure to not remove a unverified collection violations the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

-The following Accounts : -Original Creditor : XXXX as serviced by XXXX  -Debt Collector XXXX XXXX XXXX -Open Balance : {$6700.00}
Product: Money transfer, virtual currency, or money service

This money was sent to purchase a truck which was thought to be through ebay motors. once the transfers were made the individuals involved gave a delivery date and we were waiting on the tracking number which never arrived. we have tried to contact these individuals with no reply. there was no problem with communication before. now thy do n't exist. this was our savings and fraud has been commited.
Product: Credit reporting or other personal consumer reports

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Product: Credit reporting or other personal consumer reports

Over the course of the last eleven months, I have had to repeatedly ask Equifax to put my account back online. Unbeknownst to me my Equifax credit file would sporadically somehow become unavailable for any party with permission to access and examine my credit file. I have repeatedly over the course of these eleven months supplied Equifax numerous times with identifying documents such as a copies of a bank statements to show proof of address, government issued ID, and as well a copy of my social security card which is troubling in itself because of concerns with data breaching or possibly worse because of the improper handling and repeatedly having to reidentify yourself with this reckless organization. 
Over the course of the last six months, I have spoken with Equifaxs consumers affairs department who have confirmed my information being received as well they Equifax consumer affairs requested through there appropriate back-end departments for my credit file to be place backed online numerous times also and they themselves have confirmed that there are many referenced request that have been ignored also. 
Equifax at times has crisscrossed my credit file with others and refused to address, even after being supplied with all the necessary information. This is the only credit bureau Ive continued to have problems with due to no fault of my own. 
The unfortunate reality is this is causing me irreparable harm ; I recently couldnt even open a high yield saving account at XXXX because they could not do a soft pull on my credit report. 
I not only need Equifax to place my credit file back online immediately, but as well move my credit file from consumer affairs to regular customer service ; because I believe the consumer affairs division is the main catalyst to this continue problem. 
Equifax has not responded to any certified correspondence either ; which I have proof of also ; nor does this company seemingly care about legal actions. 
Any assistance to help get my credit file back online ASAP and to stop this continued outrageous unprofessional service would be greatly appreciated
Product: Mortgage

I believe that I am a victim of predatory lending. I have asked several times that my mortgage company Ditech who is servicing my loan for XXXX to provide me my original loan documentation to me for the last six months. As of today I have not received them. I found out last year that I have a 2nd mortgage that 's a thirty year interest only at 9 % for $ XXXX.This loan was originated in 2007. This is unheard of.
Product: Credit card

On XX/XX/XXXX I applied for a business credit card with Chase, for XXXX XXXX XXXX, and was denied. On XX/XX/XXXX I applied for a business credit card with Chase and was denied. On XX/XX/XXXX I applied for a business credit card for the 3rd time and again, denied. After this 4th denial I got on the phone with Chase executive office and stated that Chase is an intermediary and have discriminated against me based on the report provided by XXXX, which is known for providing inaccurate information and obtaining that information without the consent of the people. They advised me to take this matter up with XXXX. I wrote a letter to Chase, dated XX/XX/XXXX and emailed a copy to them as well. In this letter I stated that I am executor and the beneficiary of this application and the noteholder. I referenced many of the quoted items in the Recent Prospectus report that show I have equitable interest in this credit card. I aimed to resolve this matter amicably, however I received the same letter in response to the original application word for word. Chase intentionally disregarded all the information I provided and duplicated the originally letter with a different date and still denied my access for fair and equitable credit. I then wrote a second letter 30 days later, XX/XX/XXXX, stating that I have received no benefit whatsoever from Chase, I have reviewed the prospectus report multiple times and in this letter I stated that I have found very suspicious activity relating to securities and trading benefits due to members on secondary markets and all the profits being returned to Chase when the 98.2 percent of members do not claim their benefit. This is not set up in the benefit of the note holders. Again I received a response from XXXX at executive offices, that my business is still being denied access to credit based on the XXXX Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX/XXXX/XXXX my personal information and credit history was released to unauthorized unkown persons due to negligent security by Equifax. As a result, I am now at risk for fraud. I have contacted Equifax to determine if any immediate fraud has been committed and was unable to receive an electronic credit report due to unexplained circumstances. I have begun the process of requesting my credit report in writing from Equifax.
Product: Checking or savings account

I signed up for a promo for opening a new checking account. I met all checking requirements to receive the promo. There was an issue with my login to the bank 's system so I could not readily view my funds so I transferred the funds to a bank who's online banking system worked. Upon meeting the deposit requirements, they sent me an email saying that I will not be receiving the promotional deposit as my account was at {$0.00} at the time of verification. I requested documentation that my account was verified within their average time of verification which could not be provided after being escalated to XXXX and then XXXX- who was supposedly speaking with the research team. My complaint is how are customers supposed to know that Truist does not have an algorithm that automatically verifies the accounts eligibility when it shows a XXXX balance. They have lost almost 24 % of their stock price over the past 3 years and I assume they would want to keep as much money as possible. Most companies wait until the last day possible to award any type of promo such as this, but Truist decided to verify my account within 1 week of meeting the requirements when they noted a 4 week window. All I asked for was some type of documentation showing their average verification time and the percent of account promos they decline because of this. After being on the phone for 1 hour and speaking with 3 different individuals this was not provided. I assume since they are a publicly traded company by XXXX this would be a standard auditable document. Upon not being able to satisfy my request and the denial of my promo I closed my account and I am now submitting my complaint to the CFPB, XXXX  and the Comptroller.
Product: Credit reporting or other personal consumer reports

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Product: Credit reporting or other personal consumer reports

These accounts are being disputed because they are not mine and are in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft through the XXXX Equifax data breach and the most recent XXXX data breach. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. Collections are illegal according to the FDCPA. Debt collectors have harassed me, added fees to the accounts listed, and much more. Also, I did not allow for the original creditors to share my information to the collectors for the debt. The debt has been sold, therefore, I do not owe this debt to the collectors and will not be paying it. I do NOT have a contract with the COLLECTORS, only the original CREDITORS. THIS IS ALSO HURTING MY CHANCES OF BUYING A HOME/OBTAINING A MORTGAGE. With this being said, I need these collections removed from my credit report immediately!!!
Product: Credit reporting or other personal consumer reports

*Subject : ** Request for Removal and Blocking of Fraudulent Accounts Dear Experian, I am writing to formally dispute several accounts listed on my credit report that I have identified as fraudulent. These accounts were opened without my knowledge or consent and are a result of identity theft.

As required under the **Fair Credit Reporting Act ( FCRA ), Section 605B**, I am requesting that these fraudulent accounts be removed from my credit report and permanently blocked within **four business days** of receiving this letter, as stipulated by federal law.

To support my claim, I have enclosed the following documents : 1. A copy of my **Federal Trade Commission ( FTC ) Identity Theft Report**.

2. A copy of the **police report** I filed regarding the identity theft.

3. A copy of my **government-issued ID** to verify my identity. 

The specific fraudulent accounts I am disputing are : [ List the accounts, including creditor names, account numbers, and amounts, if available. ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As outlined in Section 605B ( c ) ( 2 ) of the FCRA, you are required to block the information related to these accounts from appearing on my credit report. Please confirm in writing that these accounts have been removed and blocked, or provide a detailed explanation if further action is needed on my part. 

If you require additional information to process this request, please contact me immediately at XXXX. 

Thank you for your prompt attention to this matter. I trust that you will comply with the FCRA and ensure that these fraudulent accounts are removed and blocked as required by law. 

Sincerely,