23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a USDA loan that is being serviced by Freedom Mortgage. I have a foreclosure sale date on XX/XX/XXXX and have been trying to fix things with Freedom but feel they have denied me access to government borrower assistance programs. I went through a difficult time where my income was cut in half and I tried to apply for a loan modification with Freedom two years ago but they denied me due to lack of income. I then filed for Chapter XXXX bankruptcy protection to save my home and reorganize my bills and made payments to the trustee. However I work as a XXXX XXXX XXXX and due to Covid we had a huge drop in business and I could not keep up with the trustee payments. I tried to work with Freedom and resume payments to them but they told me that I had to repay all past due amounts in one lump sum and I could not do that. Business has picked up over the last few months and my financial circumstances have improved and I can afford to make a reasonable mortgage payment and fix this if given the chance. 

I bought my home 4 years ago. I was working as a XXXX XXXX for XXXX XXXX and made a good living as a XXXX employee and was able to qualify for the USDA program. I had no problem making the payments for the first couple of years but then my daughter began having major medical issues and my wife had to stay home to take care of her. At that time my employer restructured and cut my hours in half, along with my income. I did everything I could to stay afloat but I could not make it and fell behind on the mortgage and tried to apply for a loan modification through Freedom at that time, but was told that I did not make enough money and was denied. I then filed a Chapter XXXX bankruptcy. I wanted to repay everything I owed but needed more time, and XXXX would not give me any options. 

I paid on the bankruptcy for over one year but when Covid hit my income took another hit and I was stuck making the choice of paying for food, medicine and utilities or the trustee payments for the bankruptcy. It got so bad that our electricity was shut off because I had a {$4000.00} balance. This was a bad time for our family, but I did not give up and kept trying. Over the last few months my current employer has seen their business boom and I have been working so many hours and overtime to help that I am in a much better place financially. I spoke with the XXXX foreclosure agents to see if I could begin making payments to work this out and was told that they would only accept the full past due balance to stop the foreclosure. I believe that there are government programs available that I would qualify for such as loan modification, forbearance, or even repayment plan. The reason I fell out of the bankruptcy is Covid related, it was not my fault that business dropped so much at that time. I am making enough money to afford a reasonable mortgage payment and I want the opportunity to save my home. Freedom is servicing a government USDA loan and I understand that there are multiple options available for distressed borrowers and I want access to these programs. I want to save my home and will do whatever it takes if I am given an opportunity to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing two bankruptcies on my credit report but XXXX has no record of any bankruptcies reporting on my file.
Product: Credit card or prepaid card

I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and NAVY FCU with no successful resolution. XXXX and XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of your report 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, 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. 

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

I have written letters to Experian, XXXX, and XXXX about errors on my credit reports. There are late payments and personal information like names and addresses that are not correct. I have written them on XX/XX/2023 and again on XX/XX/2023. I have not gotten any responses from any of these bureaus. I have provided information including my driver 's license, social security card and proof of address. They have not sent me anything, and nothing has changed on my credit reports that i can see online. They are supposed to send updated credit reports and they have not. it's been over 60 days and nothing.
Product: Credit reporting or other personal consumer reports

There are XXXX different companies with XXXX accounts with each that were opened without my knowledge or my authorization, these accounts are as follows.XXXX XXXX XXXX  account number ending XXXX and a open date of XX/XX/XXXX with a {$5300.00} balance, XXXX XXXX XXXX  account ending XXXX with an open date of XX/XX/XXXX showing a high balance of {$49000.00} and a balance of {$0.00}, XXXX XXXX XXXX with account ending XXXX and an open date of XX/XX/XXXX and a balance of {$47000.00}, XXXX XXXX XXXX XXXX  account ending XXXX with an open date of XX/XX/XXXX and a balance of {$4500.00}, XXXX XXXX XXXX XXXX with an account ending XXXX and an open date of XX/XX/XXXX and a balance of {$2900.00}, XXXX XXXX XXXX XXXX with account ending XXXX with an open date of XX/XX/XXXX and a balance of {$1400.00}. I have disputed this information several times with the Credit Bureau and the creditor and this info remains on my profile, Please remove any and all information related to these creditors from my credit profile as these are a result of fraud and identity theft. Equifax has failed to remove these without proof of ownership, as I have been reporting these for several years.
Product: Student loan

The XXXX XXXX XXXX XXXX admissions representatives that I spoke to prior to enrolling flat out said that the majority of my loans would be federal student loans, never explained or pointed out that the loan documents I was signing were actually private student loans through Sallie Mae ( later transferred to Navient ). This stood out so much that when I attempted to take out a car loan from my bank, I double-checked the paperwork and found that the car dealership switched to a car loan from another bank. Luckily ( or not ) the previous experience taught me to pay closer attention to what I'm signing and ask questions if I'm uncertain about something.

There were so many times throughout my XXXX XXXX  XXXX XXXX XXXX XXXX where I was required to go out of my way to sign 'updated loan documents ' or I wouldn't be able to attend classes. It happened so much it felt like a prank. It wasn't. It kept happening all the way up to graduation. I received phone calls after finishing my last semester that again asked me to come in and sign 'updated loan documents ' or there was a possibility of my diploma being withheld.

On top of all this, when I started asking questions I was given the runaround. Scheduled meetings with admissions and loan advisors kept being changed, those same advisors were conveniently 'away from their desk ' or 'in a meeting that we don't know how long will go ' and reminded 'the time has been scheduled and there's nothing to worry about '.

I was treated as a statistic throughout my entire enrollment, then ignored completely after graduating. I asked for, but never received, copies of all the loan paperwork I signed. Same goes for my entire file. XXXX XXXX XXXX XXXX  was essentially a front for money laundering. The victims? Every single student that trusted an institution of higher learning. 

XXXX XXXX XXXX  were sued by, and lost to, the Department of Justice. XXXX XXXX XXXX are also part of an ongoing lawsuit that includes over XXXX other fraudulent schools. Each and every XXXX of those school 's students deserves a second chance to get a worthwhile education.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years I've had problems with family members credit accounts being wrongfully reported to my credit file including bankruptcies!. Recently my sister 's medical bills totalling more than {$4500.00} from XXXX XXXX XXXX have been put on my credit report and I've contacted XXXX XXXX XXXX who is the collection company handling the accounts. I've asked on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to please correct this problem. XXXX out of XXXX accounts were removed in XXXX but there is still one account that remains on there and continuously damaging my score. In the past my mother and father filed Bankruptcy and that public record landed on my credit report for years! I was unable to get a car, house, or anything. I didn't know where to go for information. I finally walked into a bankruptcy office and showed proof of identity and they removed it. This also happened with my younger brother using his nick name and resulted in medical bills totaling {$7000.00} being inaccurately reported to my file. I worked hard to removed those accounts. It's unfair and not right that these company 's just pin these accounts on family members of the people that benefited from the credit accounts. They also need to find a better way to find the people. I was told that XXXX looked up the address and reported the delinquent account that way instead of reporting the account by the social security number. Reporting by address is XXXX and is wrong, not a good a practice because my sister and brother did live with me at one point. I have never had a fair chance to improve my credit score because of all of this. I am wondering if there is any way I can be compensated? Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Bankruptcy Court
Product: Debt collection

Is company is reporting in collections as an open account when they purchased it from original creditor it was closed by, when a debt buyer purchase account it should report closed or charged off, sent written validation letter certified mail and receipt to this company which I will provide the letter and everything that was sent to validate this collection is mine, they first sent a payment summary and that's not what the law states for validation that's just a summary, according to 1692g I'm waiting on my documents sent certified mail and receipt to you on XX/XX/year>, bc you have only supplied a payment summary to the cfpb and myself the first time I disputed this debt which doesn't belong to me, thank you
Product: Credit reporting or other personal consumer reports

I would like to dispute the fraudulent information on my the credit report. This information is damaging my creditworthiness and giving me stress. I reached out to my local police department about this and they said I should file a complaint to Federal Trade Commission or FTC. I know this will help me to remove the fraudulent information from my records and will justify my claim as an identity theft victim. 

XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX my debt collections account was dispute and close by XXXX  report. The amount was {$1000.00}. And that bill was for XXXX XXXX XXXX  XXXX for XX/XX/XXXX. AVANTE USA  debt collection had written me a letter saying that I need to pay the amount shown above to their company or they will put this on my credit report. This is a bill that was dispute by me to XXXX  for XXXX  XXXX XXXX XXXX and it was closed and removed by XXXX  on XX/XX/XXXX. AVANTE USA does not have the right to reopened a bill that was dispute and closed by XXXX  XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly an account where I am shown as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

SECURITY FREEZE FOR MINOR In XX/XX/2021, I submitted all documentation required by Equifax in order to place a security freeze on my minor childs account. I received back a letter dated XX/XX/2021 stating that I failed to submit my government issued ID and an item to validate my address. Contrary to the statements in the letter, I submitted my drivers license and XX/XX/2021 utility bill. Additionally, the letter contained the WRONG street number for my sons and my address. I called the number listed in the letter to correct these issues and to discuss an easier, quicker, and more secure way to resubmit documents. 

First, let me point out that it is ridiculous that all three of the nationwide CRAs only allow for submitting this VERY sensitive information via mail in order to place a security freeze for a minor. 

Second, the number listed on the letter was wholly unhelpful, as it did not lead to a person able to assist me since the child is a minor and does not yet have a credit file. I was subsequently given three different numbers to call. 

After chasing my own tail trying to get some answers, I finally spoke to someone who could at least look at the scanned documents that I submitted. He informed me that I submitted an unreadable copy of my drivers license. Incorrect. I made three copies of my drivers license and went them to all three nationwide CRAs. XXXX placed the security freeze based on what I sent, so I submit that Equifax has inadequate scanners and processes for verifying drivers licenses. The gentleman I spoke to also stated that he had no record of my utility bill. Equifax LOST my data. The gentleman I spoke to had no explanation for how my sons address got added to the XX/XX/2021, letter incorrectly, as it was apparently already correct in Equifaxs system. 

This situation is a blatant demonstration of irresponsibility with consumer data. It is also not a meaningful process by which to place a security freeze for a protected consumer, which is a federally required process. I submitted a complaint to Equifax through the gentleman I spoke to, but based on the lack of care demonstrated by Equifax thus far, I hold no confidence that I will hear back or receive resolution from Equifax.
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.

and list of Inquiries. 

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: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i faxed over an identity theft affidavit, with unauthorized inquires that were on my credit report. i have not heard back from equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX pertaining to a credit card with XXXX XXXX XXXX  acct # XXXX for the date of last activity, payment history, status * and the dispute was returned verified. After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to XXXX, XXXX and Transunion may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this Notice includes Identification of the specific information being disputed Transunion, XX/XX/XXXX and XX/XX/XXXX reporting for Acct Number : acct # XXXX The basis for the dispute : For Payment Status XX/XX/XXXXis reporting Charge-off, Transunion is Reporting Charged off as bad Debt, while XX/XX/XXXX is reporting Unpaid balance reported as a loss by credit grantor. For Worst Delinquency XXXX is reporting Bad debt/collection, Transunion is showing Not Reported, and XXXX is reporting Charge off/Other Derog. On XXXX Acct # XXXX status is closed, but reports payment history with a 90+ Days Late only on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no dates were reported on Transunion. Also, for the XXXX XXXX Transunion is reporting XX/XX/XXXX as a close date while XX/XX/XXXX and XX/XX/XXXX are not reporting a close date at all. For Date of Last Activity, XX/XX/XXXX is reporting XX/XX/XXXX ; However, Transunion is reporting XX/XX/XXXX and XX/XX/XXXX reported as Not reported and closed as charged-off without a date of last activity. Also, for Terms XX/XX/XXXXand Transunion are not reporting while XX/XX/XXXX is reporting Revolving. Lastly, for High BalanceXX/XX/XXXX and XX/XX/XXXX are not reporting anything while Transunion is reporting a high balance of {$450.00}. 


I have sent them excerpts of my credit reports showing how these accounts are reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report Equifax that has items that are inaccurate an needs to be deleted asap. checking the information submitted alot of data is not 100 % accurate an is hindering my file with all my personal information. please review an delete the information listed on my credit report that will help clear my file an put my credit score in good standing.