23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It Concerns ; Apparently, my original XXXX mortgage loan was sold to Freedom Mortgage.com, some years back. Freedom Mortgage referred me to XXXX, XXXX, who worked with XXXX XXXX for some reason. XXXX XXXX collected my mortgage payments, twice monthly, from my direct deposit, assumingly to pay my mortgage off sooner. It seemed these XXXX organizations had worked together and they knew each other. To confusing for me to understand how the mortgage world works together. XXXX XXXX applied my money to principles supposedly by means of 13 yearly payments. 
I am now informed XXXX, XXXX sold my loan back to Freedom Mortgage Corporation ; I thought they owned the original loan anyway. 
I 've spent the entire day trying to figure out what is going on with my money and loan and where to make my payments. 
For some reason the phone numbers I 've had to contact these entities " XXXX, Freedom Mortgage, & XXXX '' just go back to Freedom Mortgage. The XXXX representatives I spoke to have given me the run around and are insisting I enroll and set up payments. 
That said, further research has taken me to several disturbing websites ; including the XXXX, Consent Order issued by CFPB regarding XXXX XXXX. 
I have discovered a mortgage scam. I 'm quite nervous due to calling Freedom Mortgage for my year-to-date information for XX/XX/XXXX. The automated system declares nothing had been paid, " no interest, principle, insurance, probably taxes. '' An attorney corporation involved " XXXX XXXX XXXX '' and created XXXX bi-weekly program. 
XXXX XXXX has been sued for fraud and unjust enrichment in Federal Court, XXXX, Ohio. Freedom Mortgage gave him mine as well as other victims mortgage information. 
I 'm afraid to pay my mortgage to Freedom Mortgage Corporation ( FMC ) by XXXX XXXX, XXXX, for reasons ; 1 ) The XXXX representatives I spoke to seemed to withhold information to questions I had ; 2 ) today, I received the letter of loan transition from FMC with new loan account number dated XXXX XXXX, XXXX. Though, bottom of page shows Rev : XXXX/XXXX/XXXX. 
I am a single grandmother raising my XXXX year old, with XXXX school left in my XXXX, and am employed. I have never been late or had trouble making any payments regarding anything. Have lived in my small home since XX/XX/XXXX, when I purchased it. 
My feeling is I need a lawyer especially if my money has been deceitfully been misused or stolen for months. 
I hope my crisis is considered important to your organization and will be reviewed promptly. 
Thank you!
Product: Mortgage

Wells Fargo is raising my payment from {$1300.00} to {$2900.00} while in bankruptcy, the only reason they are giving is because they made a mistake, and the insurance is not even included. Please help me!
Product: Credit reporting or other personal consumer reports

I recently filed a lawsuit in small claims court in XXXX XXXX and successfully won my case. However, XXXX XXXX XXXX XXXX ( XXXX XXXX  ) has not removed the related item from my credit profile in a timely manner, as required by law. This delay has caused me significant distress and financial difficulty, particularly as the company continues to act in violation of 15 USC 1681.

I am requesting that this item be removed from my credit profile within 24-48 hours upon receipt of this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2021 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
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 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Mortgage

On the statement dated : XX/XX/2020 statement - Citizens Bank sent out a statement that is mathematically incorrect! They state : Previous Balance Minus Payment Plus Interest Payoff Balance {$54000.00} - XXXX + XXXX = {$53000.00} The payoff balance is off by {$13.00} ... Why?? 

When I contacted the bank - they said it was " lien waiver '' fee from XXXX County ( which is currently {$25.00} ). 

This is the 2nd time this bank has added a balance to my account without any indication of what these additional amounts are being charged to my account for. 

I have repeatedly requested that if they add any amounts to my account that those amounts be described in a separate line item. They refuse. 

Additionally, It makes no sense for them to add this to an ongoing payoff balance. With any other mortgage the mortgage company is focused on what you owe them. Once a pay off request is received - then the mortgage company can check with municipality to disclose/collect the amount due for the lien release which can change ... 

Every single time I go to balance my account - I can not! Because of the mathematical errors and the lack of disclosure of what this bank is adding to my payoff amount. 


It would seem to me that a regulatory agency would not allow banks to willy nelly add to a customer 's pay off balances without property disclosure?
Product: Money transfer, virtual currency, or money service

I sent a jeweler a total of {$700.00} for labor to make an engagement ring using the company XXXX that is backed by my bank Wells Fargo. 

I transferred {$500.00} on XX/XX/2018 from my checking account. 

I then transferred {$200.00} on XX/XX/2018 from my savings account. 

This jeweler has never followed through in making the ring and has failed to reimburse me. 

I attempted to file a claim of fraud through Wells Fargo and was told that since I technically approved the transaction there was nothing they could do for me. 

I feel this is my last option besides filing a suit in small claims court.
Product: Money transfer, virtual currency, or money service

Im trying to add money to my bank account through an app but TD Bank is blocking the transaction.
Product: Debt collection

I am in receipt of my credit report and found an account that is being reported incorrectly. The account is a collection agency named Spring Oaks Capital and the original creditor is XXXX XXXX. This account was paid off in full and this debt is no longer owed. Additionally this debt is now over seven years old and this lender has re-aged this debt. Additionally XXXX XXXX is reporting this account past the 7 year limit and is reporting this account incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a XXXX card opened in XX/XX/XXXX in the amount of {$2000.00} which now carries a {$2500.00} balance that does not belong to me. 
Also, theres an account with XXXX that does not belong to me opened in XX/XX/XXXX in the amount of {$4000.00} that looks like an Installment loan. Not only is it not my account but its too old to be reporting to my bureau after 12 whole years already. Theres an account with US adept of Ed for {$66.00} thats fraudulent as well. None of these are my accounts.
Product: Credit reporting or other personal consumer reports

I have contacted you in 2 previous letters asking for investigation and reinvestigation into the accounts listed. Both times they have been verified and updated with no supporting evidence to show why after I requested it. I have attached the letters. 

This account was charged off in XXXX of XXXX. Since then the account has repeatedly been updated as " charged off '' every month. This is an update in payment history. A charged off account should NOT include any active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my consumer rights. I am demanding a deletion of the following account to remedy this violation of my rights : ACCOUNT : XXXX  XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Product: Credit reporting or other personal consumer reports

I contacted Experian explaining that show the same account reporting twice when they said this account was verified and accurate which wasnt lvnv is reporting account and also the original company is also reporting this information charges showing on consumer reports is showing {$1400.00}
Product: Money transfer, virtual currency, or money service

Ive had a cash app account since 2019 but they shut my account down without reasoning
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKOWN to me. 
Here are the items that needed to be investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new attempt to notify you that I was subjected incorrect credit reporting and I write to dispute these items in my file resulting from the inaccuracy. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an erroneous credit report entries : EXPERIAN : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 =====XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance XXXX XXXX {$0.00}. These items are unknown to me. Also, the information you provided on the account was DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove 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 is not information relating to any transaction by the consumer.
Product: Vehicle loan or lease

I am filing a formal complaint against Chrysler Capital for their lack of cooperation in allowing me to resolve my auto loan responsibly and fairly. Despite my repeated attempts to work out a reasonable solution, Chrysler Capital has refused to engage or provide flexible options, leaving me with few choices and risking unnecessary harm to my credit score. 

I financed my vehicle through Chrysler Capital in good faith. However, due to financial constraints, I can no longer afford the car and have been seeking ways to resolve the remaining balance of the loan. I contacted Chrysler Capital to explore the following options, all of which I believe are fair and mutually beneficial : 1. Selling the Vehicle : I found a dealership willing to purchase the car for {$11000.00}. I offered to pay the remaining loan balance directly to Chrysler Capital in monthly installments as part of a payment plan. Unfortunately, Chrysler Capital has outright refused to consider this option, which would allow me to fulfill my financial obligation while avoiding a repossession on my credit report. 
2. Voluntary Repossession with Payment Plan : When it became clear that Chrysler Capital would not assist with the sale of the vehicle, I even explored the possibility of a voluntary repossession. I offered to pay the remaining balance after the car was auctioned if Chrysler Capital allowed me to settle the debt through monthly payments. I only asked that the repossession not be reported as a negative mark on my credit report. Once again, Chrysler Capital refused to work with me. 

Chrysler Capitals unwillingness to cooperate has made it impossible to resolve the matter responsibly. I am making these requests in good faith and with the clear intent to pay what I owe. All I ask is for a reasonable payment plan that allows me to settle the remaining balance in monthly payments. Their refusal has caused significant emotional and financial stress, as I am doing everything I can to resolve the matter while protecting my credit.

What I Am Seeking : 1. I request that Chrysler Capital allow me to sell the car to the dealership for {$11000.00} and set up a payment plan with affordable monthly payments for the remaining balance.

2. If selling the car is not an option, I request that Chrysler Capital allow me to proceed with a voluntary repossession and pay the remaining balance in monthly installments, without reporting the repossession negatively on my credit report. 
3. I ask Chrysler Capital to work with me in good faith and provide the flexibility to fulfill my obligations responsibly.

I have made every effort to resolve this matter and hope Chrysler Capital will reconsider its position. I remain committed to fulfilling my obligations and only ask for their cooperation to make this possible.
Product: Credit reporting or other personal consumer reports

identity theft, names that ( do not belong to me ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers ( NOT ME ) ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential Address XXXX XXXX XXXX XXXX XXXX, MI XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX Resident typeApartment complex XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, MD XXXX Resident typeApartment complex XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Resident typeApartment complex XXXX XXXX XXXX  XXXX XXXX, MD XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, MI XXXX Resident typeSingle family
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I had opted to use the buy now, pay in installment option to pay for a certification course. This loan was for {$2400.00}, on XX/XX/XXXX with 24 month installments. 

I paid this loan off early, with final payment made on XX/XX/XXXX. 

Oddly, on XX/XX/XXXX ( more than a year later ) I received an email that my account was considered charge off status and will be assigned to collection agency. 

I immediately contacted Affirm to say there has to be a mistake as this account was paid in full. I have discovered that its doubtful anyone employed at Affirm, is stateside, and you spend most your time repeating yourself. I was told someone would respond to my concerns via email, but I never heard anything, so I started emailing them. In my own review of my account using their app, it was obvious they disappeared a {$900.00} payment that was made XXXX XXXX. I emailed them my receipt of said {$900.00} payment. Eventually they put my {$900.00} back on my account, but it has been a nightmare since. They turned my account to collections, I disputed and it was eventually deleted from my report. 

On Affirms app ( the only way to access account ) it is showing that I am owing 8 more payments, and that this is a collection account. THIS IS ERRONEOUS INFORMATION. I have attempted to have Affirm correct their error, but its all in vain. 
Customer service is non existent with this company. 

For a financial institution, I do not know that they are capable of doing simple math, but I would like them to correct their math error, and have my account correctly reflected. 

I have filed a complaint with XXXX and get a generic response from Affirm that even though it shows as a charged off account, that they will still extend credit to me. WTH? I want to NEVER do business with this company. They should be investigated. 

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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX COMP XXXX Balance : {$370.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$7200.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request verification of the account listed on my credit report under the Fair Debt Collection Practices Act ( FDCPA ). The details of the account in question are as follows : Creditor Name : XXXX XXXX XXXX  Amount : {$2500.00} In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you provide me with the following documentation within XXXX ( XXXX ) business days : The name and contact information of the person or entity that provided you with the documentation regarding this account. 
Details about any interviews conducted related to this account, including the names of the individuals interviewed, the dates of the interviews, and the nature of the information obtained. 
If you are unable to provide the requested verification within the specified time frame, I kindly ask that you remove this account from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX