23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started a loan modification in XX/XX/XXXX because my interest adjusted to a higher rate and mortgage became unaffordable. I had to go to court 4 times because they denying the loan, finally modification was approved XX/XX/XXXX we signed the loan modification agreement but the y included {$96000.00} fees and I am not sure if the were all fees of part of principal. I am selling property now and would like to know how I can negotiate these fees. I had XXXX XXXX  and I am retired on a fixed income and my payments mortgage are up to date. I also had to file bankruptcy XXXX  XXXX with the condition to keep real estate I was discharged XXXX
Product: Mortgage

On XX/XX/2024 I locked in the lowest rate available to refinance current mortgage with XXXX XXXX ( XXXX # XXXX XXXX XXXX # XXXX ). I have an email stating this lock in. The new rate was 5.25 % with an APR of XXXX, origination fee $ XXXX no other costs. New payment would be {$3800.00} for 181 months. XXXX weeks to close. I agreed to proceed under these terms. I have reached out to XXXX XXXX and Freedom Mortgage numerous times to find out the status of my loan. I have been given the run around and no returned phone calls from XXXX XXXX. I recieved a letter stating Freedom Mortgage recieved my request to withdraw my loan application which is absurd because I never requested such a thing. On the contrary, I have called them multiple times to inquire we we are in the process. They can not tell me a reason for my application withdrawal and I have yet to hear from XXXX XXXX about where we are in the refinancing process. 
I need answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

name is XXXX XXXX XXXX they have so many different names on my account that I would like to get taking off I only want XXXX XXXX XXXX on my credit report no others
Product: Debt collection

This creditor is asking for a debt in the amount of {$290.00}. This is not my debt, asking for this debt to be remove from all  XXXX  major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous problems with XXXX XXXX. I have a home mortgage with them. They have sent my payments back into my bank account instead of applying them to my loan payments and they ruined my credit score by several hundred. Had to report them for that. Now they have not reported my XXXX 2020 mortgage payments on my bank account. The incorrect loan amount is on my credit scores and my bank account. I emailed them every day to complain so I have it in writing and no one will fix the problem. This has been going on since XX/XX/2020. They also never send me my monthly statements, I will get one month then not another. I can not believe this bank is so slow to fix a HUGE problem that is effecting my credit scores. I have the credit bureau also looking into this with disputes but still no reponse from this bank. This bank should be fined, put on probation and monitored for a year. I want all my past monthly statements, my loan amount to be up to date EVERY month and to update all credit bureaus monthly for the duration of this loan. If they can not do this then sell my loan to a reputable bank with all the same parameters remaining.
Product: Credit card

On XXXX XXXX, I mistakenly made my mortgage payment to Discover card in the amount of {$2200.00}. On XXXX XXXX, I recognized the mistake, called DiscoverCard at XXXX, spoke with XXXX in Delaware Billing department, and she stated that they would send me a check for {$2200.00} after my balance of {$14.00} is paid off, and that this check could take several weeks to arrive. I asked XXXX if I will receive an email to this effect, and she said I would get one in 72 hours. On XXXX XXXX, I checked my balance online for Discover card, and it showed a credit balance of {$2200.00}. I called Discover card on XXXX XXXX, spoke to XXXX XXXX in Ohio, and she too said I will get an email in XXXX hours indicating that they were mailing me a check for {$2200.00}, and that it may take several weeks for the check to arrive, and that this was faster than an electronic transfer. I asked for a case number, and she refused and instead stated that this is referred to as " Note # XXXX ''. As of today, XXXX XXXX, 2017, I never received an email from Discover card. I then proceeded checked on line at Discovercard, and my balance was zero, with the credit of {$2200.00} having disappeared. I again called Discover card and they told me a check is in the mail as of yesterday XXXX XXXX. I asked for an email confirming all of this and they refused.
Product: Credit card or prepaid card

Per XXXX report, XX/XX/21, Bank of America issued a credit card due to someone used my personal info to apply. XX/XX/21 bank of American mailed me a letter to verify ( say seems suspicious activity ). I called them and reported that this card was fraudulent. XX/XX/21 I filed a police report with XXXX XXXX county sheriff office ( case # XXXX ) ; as of XX/XX/21, Bank of America said account closed. But XXXX still reporting second late payment ( first late payment in XXXX ) from the Bank of America credit card with balance {$23000.00}. This has caused my credit score substantially drop. I need resolve by Bank of America and XXXX.
Product: Credit card

There were 2 fraudulent charges on my Home Depot Credit Card on XX/XX/year> and XX/XX/year>. I filed a dispute and Home Depot denied the claim due to " facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use ''. 

These purchases were made in store and I would like Home Depot to review the security footage. The purchases were for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling {$1000.00}. I have shopped in this store and the security footage will show, without a doubt, that those purchases were not made by me. 

It seems very strange that these 2 transactions do not show up in my purchase history ( all my other in store purchases show up ). Both of the transactions were handled by the same cashier. I never lost the card and have always kept it in my wallet. The card has only been used at Home Depot. 

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

I   XXXX   " Landlord-Tenant Credit Check '' and was brought to the Equifax website. I completed the application and paid the {$19.00} only to discover I was getting access only to my personal credit report. I immediately called Equifax to state that I did n't pay the money for my own credit report, but for a third party. The rep named  XXXX  said no problem that he could convert me to a {$9.00} program to do the tenant credit check. Unfortunately, the name of that service was n't listed on either the  Personal or Business  menus, so I decided I 'd had enough with Equifax and asked  XXXX  to cancel the account and issue a refund. He replied he would take care of issuing a refund and sending a confirmation e-mail.   XXXX   Three  minutes later I received an e-mail saying the account was cancelled but that no refunds are issued on monthly accounts. I then followed up with a phone call to an Equifax supervisor,  XXXX   (  employee account number  XXXX  ) who told me that refunds are not given but that the matter would be referred to the billing department for disposition  in 5-7 work ing days. Advised her that I intended to fil a complaint with your agency. Equifax case number  XXXX  applies.
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX of Birth : XX/XX/year> SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year! 

Here are the items that I need to have fully verified as being 100 % accurate :
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5600.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft due to a data breach, which has resulted in several fraudulent accounts and unauthorized inquiries appearing on my credit report. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am formally requesting the immediate blocking and deletion of the following accounts and inquiries from my credit report. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$450.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1900.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2200.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1400.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Credit Inquiries to Be Removed : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

I have been receiving phone calls from XXXX companies that have been calling me multiple times of days during the week trying to collect debt. I have notified them over phone and In writing that I am not paying any debt until I receive my letter of verification of debt. Stating that I owe that debt.
Product: Debt collection

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX Ca XXXX ] [ XXXX ] [ XXXX Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information contained in my credit report. This letter is in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Consumer Financial Protection Bureau Regulation, 12 CFR 1006.34 ( b ) ( 5 ). 

I have identified the following charge-offs reported by XXXX XXXX XXXX XXXX XXXX XXXX credit report that I believe to be inaccurate or incomplete : Account Number : XXXX Date of Charge-Off : XXXX Amount : XXXX Basis for Dispute : 1. Inaccuracy of Information ( FCRA, 15 U.S.C. 1681i ) : According to the Fair Credit Reporting Act, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. The charge-off information reported by XXXX XXXX XXXX XXXX is inaccurate/incomplete due to [ specific reason, e.g., incorrect balance, dates, or duplicate entries ]. 
2. Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Under the Consumer Financial Protection Bureau Regulation, creditors are required to provide accurate and complete information when reporting debts. I request that XXXX XXXX XXXX XXXX verify the debt and provide me with all documentation regarding the alleged debt, including but not limited to, the original signed agreement and a detailed payment history. 

Action Requested : I request that the credit bureau investigate this matter and remove the inaccurate charge-off entries from my credit report. If the investigation shows that the disputed information is indeed inaccurate or incomplete, please delete or correct the information accordingly. 

Enclosed, please find copies of relevant documents supporting my dispute, including [ list of enclosed documents, e.g., payment records, correspondence with XXXX XXXX XXXX XXXX, etc. ]. Please conduct your investigation and update my credit report to reflect accurate and complete information. 

I expect to hear from you within 30 days, as required by the Fair Credit Reporting Act. If you need any additional information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] Make sure to include copies of any relevant documents and send the letter via certified mail to ensure it is received and documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 Credit Bureau 's regarding the reporting of inaccurate and unverified information that they are continuing to report on my reports.

I have been disputing information on my credit reports regarding a public record " Bankruptcy '' and collection accounts that remain unverified through the main sources such as the original creditor and with the clerk of courts. I've contacted the 3 Credit Bureaus ( EQUIFAX, XXXX and XXXX ) about a bankruptcy appearing on my credit report from XX/XX/XXXX. 

I also asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX, which by way I have a " SECURITY FREEZE '' and is a affiliate credit reporting agency. Under the FCRA laws, all reporting agencies MUST receive their information directly from the creditor/court of the account if not then it should be removed from my credit report. 

As you can see in the attached documents provided from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. 

With the collection accounts listed below : XXXX XXXXXXXX XXXX XXXX- I NEVER OPENED AN ACCOUNT WITH EITHER THE ORIGINAL CREDITOR OR COLLECTION AGENCY WE ENERGIES- UNVERIFIED UTILITY ACCOUNT XXXX XXXX- I NEVER OPEN AN ACCOUNT WITH THIS COLLECTION AGENCY DURING any time of XX/XX/XXXX These accounts have been disputed since XX/XX/XXXX-XX/XX/XXXX & still no documents has been submitted to me verifying the information stored in my reports are indeed accurate. 

All of the accounts mentioned have not been properly verified with a contract bearing my signature, so I demand that they are deleted as per : FCRA LAW Section 623, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) and FCRA Section 605 ( c ) ''If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm is reporting 2 accounts incorrectly to XXXX. I have filed over 20 disputes and each time they verify the account is reporting correctly. I have asked XXXX to provide me with a copy of how they validated what Affirm is reporting. They have failed to do so. I have asked Affirm to confirm my account history. They have failed to do so. I have now found my original receipt which confirms these accounts are not reporting accurately. I would like both removed immediately.
Product: Credit reporting or other personal consumer reports

Loan paid off in full on XX/XX/year>. Loan had been paid on the XXXX of every month. At payoff, I was assured there would be no negative credit reporting. 

The account is now reported as 30 days late. This is false information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Original creditor : XXXXOPP Loans Subject : Cease and Desist Request for Deletion of Collection Account Dear XXXXOPP LOANS, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. The date of last activity is wrong on my XXXX, XXXX, and XXXX reporting companies report. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest. 
3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I recently have been sending dispute letters to XXXX, Transunion, and XXXX for a few accounts that have incorrect information and they refuse to update, change or remove these things and remain on my credit report for the past years. 

On XX/XX/year> The Credit bureaus stated : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXXXXXX XXXX ( Account # XXXX ) were properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report. I have attached the most recent credit appeal letter I sent with all of my verified information along with my proof of identity to all three credit buearos and I have mailed it to each of them again seperately through certified mail. 

Please see into these as I have tried to resolve this with them with no solution and would like it to be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the below addresses be removed from my credit report, I haven't lived there and don't recognized the addresses : XXXX XXXXXXXX XXXX XXXXXXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX The address that have been at for a number of years is : XXXX XXXX XXXX XXXX, OH. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to extort by reselling fraudulent credit information - they refuse to fix under order of us govt- or persons filing against them for doing so. This info was removed from files and blocked from reporting, yet persistently appears on sold info to any creditor requesting copy-which does not disemenate from the bureaus as companies are forced to make claim, even as claimed on documents. The files in fact point to old data XXXX, XXXX XXXX, etc ( all 3rd party subCRAs, illegal ) have collected " from the bureaus '' and some point in the past. these companies have no intention of correcting or purging files. I have been requested to CC XXXX 5+ years of information so they can push buttons on a computer and VERIFY DATA- I have no credit accounts. There is no info to give. all accounts have been disputed in full, removed, closed, or PAID ( XXXX ).
Product: Payday loan, title loan, personal loan, or advance loan

I signed the loan documents and the interest XXXX was 2.99 %. Now that the loan is active within GoodLeap system, they are saying the rate is 7.99 % and my payments went up. I received a call from Goodleap on XX/XX/year> at XXXX cst and spoke with representative XXXX and she confirmed that the rate is incorrect. She stated that system shows that system is charging 7.99 % but signed loan documents show 2.99 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau name Capital one bank USA I payed all the amount but they still reporting that my account is derogatory.it damaged my credit score a lot, last payment was XX/XX/2019. 
So I called them they said they will report that o Finish all payment, but no action was taken. 
Also other accounts were paid and Closed but the negative still effecting my Credit score. 
I had 2 XXXX within the last 3 years and I lost my job and I did my best to pay off all my debt. But those companies the sold my accounts to collection companies and they were after me every single day, harassing me With Calls. 
I really need your help and I appreciate your up. 
Best regards, USA