23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My 2nd mortgage is with XXXX XXXX, XX/XX/2020 we sent XXXX our monthly payment of {$260.00} which was returned to our checking account, XX/XX/2020 SPS sent us a letter stating that XXXX transferred our 2nd mortgage loan account to them. SPS informed my husband and I that we are in a Balloon Mortgage and the maturity date has expired as off XX/XX/2020 and they will not except any monthly payments but only except the balance of the loan which was {$23000.00}. My husband and I began to apply for various programs with SPS. XX/XX/2020 My husband and I was told that we were denied any programs ( Loss Mitigation and Loan Modification ) that we applied for because the maturity date on our loan expired. SPS informed us that the only option was to  do a short sale on our home, my husband and I do not want to lose our home and we are able to make monthly payments but we can not afford to pay the balance of the 2nd lien upfront. Our 1st lien  holder is XXXX XXXX  and that loan isnt due in full until XXXX. As of today ( XX/XX/2020 ) the balance with SPS has went up to over {$25000.00} due to late fees and other charges. SPS is unwilling to allow my husband and I to make monthly payments or accept us in any type of programs. SPS has sent Short Sale forms for us to sign and mail back to them, that is the only option that SPS is giving us.
Product: Credit reporting or other personal consumer reports

This account is Identity theft, XXXX has been informed multiple times. XXXX has misled in regards of the fraud process, documentation proving identity theft was provided and also sent via mailed format. My name is NOT XXXX XXXX, I am NOT and never have been associated to XXXX, my address is NOT XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated to said address. This is discrimination and misleading on XXXX part, I am now being harassed my XXXX, XXXX have failed to resolve correctly. This is also racism as I am XXXX. I have been more than cooperative, providing every document requested by XXXX yet they have not marked this as fraud, leaving the possibility open for whoever stole my social and committed this atrocity to potentially reuse their services, unacceptable. This is Negligent and XXXX needs to be stopped. 
Additionally all credit bureau XXXX, EQUIFAX, XXXX violated the Fair Credit Reporting Act. 
XXXX, EQUIFAX, XXXX, XXXX are negligent non-compliance, 15 U.S.C. 1681o. 
Please delete this account immediately from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in communication with Capital One, requesting that they remove an account that should not be reporting. They have violated many of my consumer rights and I am requesting that upon review, they will completely remove this account from my credit report. Back in XX/XX/2021, I demanded that Capital One provide me with lawfully requested information upon request and in a timely matter. I asked for : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ). 
3. An itemized statement breaking down the balance you claim I owe. 
4. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

All of these request are within my consumer rights. The response I received was dated XX/XX/2021, way past the 30 day timeframe that would be considered within a timely manner. Furthermore, they addressed me by XXXX XXXX XXXX. That is not and has never been my middle initial. My name is XXXX XXXX XXXX. Which they would know if they actually had any contract or application. However, they don't. One of the responses clearly states that they can not provide me with a copy of my application because it was done over phone or internet. Phones and the internet have the power to record information that would be critical in times like this. 

In summary, this matter needs to be addressed immediately. Theres no reason why this account is still reporting. They claim that they have " resolved '' the matter even tho I disagree. Nothing has been resolved and I intend to file a complaint with the FTC if they can not realize that their error is damaging my credit report and due to all the violations they must remove it.
Product: Mortgage

We have a new mortgage with Freedom Mortgage. Payments after the XXXX  of each month are late. Our regular payment is {$970.00}. On XX/XX/XXXXI did a search for " Freedom Mortgage payments ''. I clicked on the link that said " Freedom Mortgage : Login, Bill Pay, Customer Service ''. The Freedom Mortgage logo showed up with the word 'payment ' to the right of the logo. I clicked 'payment ' and proceeded to process a payment for {$970.00}, a little more. Today, XX/XX/XXXX I got a call from Freedom Mortgage stating we had not made our payment. Shocked, I began to research what happened. After several calls to Freedom Mortgage I got a Customer Service Rep that admitted there is a third party, XXXX, that takes payments for Freedom but stated that XXXX is not authorized by Freedom. So I asked, " then why do you allow them to use your logo!? '' I got the repeated answer, " we do not authorize them to take payments for us ''. Same question, " then why do you allow them to use your logo ''!? I asked for the legal department to which I was told they do not take incoming complaints but that I can send an email to XXXX. I will be sending that email when I finish this but I am quite upset. If Freedom Mortgage is aware that XXXX   is using their logo to take monies for them then why is me, as a Freedom Mortgage customer not made aware that this is happening in advance not after my payment is taken! I just found out that these payments do reach Freedom Mortgage but late! Its not right!
Product: Mortgage

I did not receive a statement notification via email from my mortgage company, Freedom Mortgage for XXXX ( due XX/XX/XXXX ) so I logged into my account online to see if I could view it there and was unable to. It only showed statement through XXXX. So I called them on XX/XX/XXXX to find out why I couldn't view my statement. I was told there was a problem with how my XXXX payment was posted and that's why no statement was generated for XXXX. That made no sense to me. I would think that my mortgage statement for XXXX would still generate and show either a missed payment or misapplied payment. The rep I spoke to told me she fixed the problem and I should be able to view my XXXX statement by the next business day - XX/XX/XXXX. On the XXXX I still could not view the XXXX statement and sent a message to the company via the website letting them know I would file a complaint if I could not view my statement by today. As of today, XX/XX/XXXX, I still can not view the XXXX statement online AND the company assessed me a late fee of {$48.00}! I went ahead and made my XXXX payment {$1400.00} online today and did not pay the late fee since I don't feel I owe that. I have held a mortgage with Freedom for 6 years and never missed a payment or made a payment late or been unable to receive or view my monthly statement. I don't know why they are unable to resolve a simple request for a statement and fix whatever problem they caused by not applying my XXXX payment correctly. The rep I spoke to didn't fix the problem. Also, when I called in on XX/XX/XXXX, I made a request electronically to provide feedback after the call. When the call ended the company called me and indicated I should press 1 to give feedback When I tried to do so, it disconnected. This is horrible customer service!
Product: Credit reporting or other personal consumer reports

The Credit reporting agency TransUnion has been practicing unethical behaviors. 
I have submitted requests in the past to have items removed and submitted information that shows that the error should have been removed. XXXX XXXX XXXX. I have also recently paid down a huge amount of debt and TransUnion has gone out of their way to reduce my score and report information to credit cards, two cards have reduced my available credit due to these reports. 
When I request a credit report via the Transunion website there has been an error each time and the error suggests I write in for my report via USPS. When I held a chat with a Transunion employee they sent me a report but the top of the report stated no score provided and I would need to purchase. 
Transunion needs to be investigated for unethical practices and not properly doing an investigation when asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Equifax received a letter from myself stating to investigate some accounts that were closed on my credit but since as of now XX/XX/2020 I have not received any conformation of them to if they had been removed or cleared from my credit report. So on XX/XX/XXXX of XX/XX/2020they received another from myself stating that they have not cleared anything and have not gotten any response from them within the 30 days that was stated on the letter and it was a violation on the 1629e ( 8 ) debt collection practice act.

I up to this date have not heard any response from them at all.
Product: Checking or savings account

On XX/XX/XXXX on Banco Popular i have the balance to cover 3 ach transactions from XXXX on XX/XX/XXXX, the bank processed the transaction late causing my account to get over the balance. The bank charged {$15.00} for over the limit. Having the balance the bank used the funds to cover a XXXX XXXX XXXX transaction on the same day. 
The bank dont send the required by law statements. And dont pay the transaction returning the payment and thefting my money.
Product: Debt collection

According to this right is protected under the Fair Credit Reporting Act ( FCRA ) and you should contact the credit bureaus to file a dispute if the paid collection remains on your report. Its should be deleted for violation I already did this pure this many time I paid this debt and still on my credit report. 
Its still reporting negative on my credit report I need help.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XX/XX/2024 Per the ( FCRA ) as a federally protected consumer im am now opting out of any and all authrization I the consumer may have given you. Written, unwritten, verbale, and noverbal Per 15 U.S.C 6802.

( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Vehicle loan or lease

I contacted Honda Motor Finance On XX/XX/2022 to ask for help with having my payments reduced due to hardship. The representative told me that was not an option. I called again in XXXX but was threatened to have my vehicle repossessed. I have been struggling to make my payments and to make things more difficult, Honda has blocked me from making payments online and over the phone. I can only submit payments through XXXX but the fees are also adding up. I have requested for options to have payments taken automatically but Honda has denied me that option as well as any other.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$510.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctor to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I was given a cashiers check after my mom passed away to help me with bills as Im a single mom. I deposited this check into my account along with another check. That other check was invalid and that company had to send me another check but Citibank closed my account anyways. They said theyd send the balance which would have been the entirety of the cashiers check in 90 days after the account was officially closed. I never received it. When I called they said the check was clear to cash elsewhere and when i deposited it into my other account it was kicked back saying Citibank cashed it already. Citibank cant figure out where my money is or why I cant use the cashiers check. Ive spent hours and hours on hold waiting for calls calling back its been over a year. I saved the cashiers check for an emergency but they have no time limit. So I didnt deposit it until XX/XX/XXXX. It was from XX/XX/XXXX when my mom passed. Its now XX/XX/XXXX and they still have not provided answers or the money or released it to be cashed elsewhere. I was told to go into their institution in XXXX XXXX. Well thats a call center. I learned that when I got there. This is money I need to support my kids. Ive been charged fees over this cashiers check Ive depended on them sending it to me yet they have no idea why I didnt receive it or where it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I filed the correct paperwork per the FCRA and sent it to the credit reporting agencies. They have not filed the disputes properly and the items still are on my report. 

I am not getting copies of the verification process required by law/FCRA. 

The agencies are not attaching the paperwork to my reports and disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet has falsely reported me to the credit bureau on financial aid I did not receive. I have sent the documents to them repeatedly. I had a XXXX XXXX, XX/XX/2014 - a few weeks after XXXX closed the doors on us in the middle of taking a test toward graduation and had already received money from the finance department of student loans and XXXX XXXX. No money was ever given to me. I have attached the documents and emails from that time period. 

This link refers to XXXX lying to XXXX students stating they would transfer the credits and we would graduate on time. A Blatant Lie. They also took money and nothing happened. They didn't transfer the credits and I have emails to prove it. I withdrew from the school and never completed classes based on the consistent lies and not being forthcoming. These folk caused me to have a XXXX XXXX with the scheming and scamming. I was a XXXX student at XXXX and made the XXXX XXXX List repeatedly. I lost hope in the system of furthering my education. Nelnet came in and have also made promises and not delivered. I have not taken these folk money and I don't owe it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals sent. No response has been received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be deleted immediately : XXXX XXXX XXXX # XXXX XX/XX/2018 {$8900.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX  BALANCED {$9500.00} XXXX XXXX BALANCED {$2700.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$1800.00} XXXX XXXX XXXX XXXX BALANCED {$1000.00} XXXX XXXX XXXX BALANCED {$4200.00} XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX  XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally dispute the accuracy of information contained in my credit report regarding an account with XXXXXXXX XXXX ( Account Number : XXXX ). I believe that the information being reported is inaccurate based on Metro 2 compliance standards.

Specifically, the account shows the following inaccuracies : 1. **Payment Status** : The report indicates that my account was " in dispute- now resolved, reported by subscriber '' as of XXXX XXXX 2025, which does not accurately reflect my payment history and status. My record shows that I was up to date on my payments.

2. **Date Last Active and Last Payment** : The dates listed for the last payment and last active status do not match my records. According to my documentation, the last payment was made on XXXX XXXX 2025, and the account is still open and active. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into this matter.
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 : Account Number : XXXX : Balance : {$3300.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1600.00} Account Name : XXXX XXXX & XXXX : Account Number : XXXX : Balance : {$9100.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful
noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting

On my Transunion credit report - the service has the following accounts listed that have nothing to do with me. I have not authorized anyone to use my name to acquire credit from these companies. I have been in a XXXX from XX/XX/XXXX until XX/XX/XXXX. I have had many problems with identity theft during my absence from the XXXX. I am trying to clear up the discrepancies. 
XXXX XXXX - ( Closed - Derogatory ) XXXX - ( Closed-Derogatory ) XXXX XXXX - Closed -Derogatory ) These accounts are not my debt, not my responsibility.
Product: Payday loan, title loan, or personal loan

Greensky services the accounts procurred by XXXX by XXXX of XXXX. 

Three weeks prior to work scheduled XX/XX/XXXX I tried numerous times to contact XXXX by XXXX by phone and email to reschedule work. 

The week of XX/XX/XXXX, XXXX by XXXX did not return my calls or emails. I called Greensky , LLC on Saturday, XXXX XXXX, explaining that because of impending XXXX, I had to adjust date. Greensky advised me to continue to try to contact XXXX by XXXX to have them credit me for the invoice for the work which had not yet been done. 

When I could not reach XXXX by XXXX, Greensky put a block on future payments to XXXX by XXXX. 

The block was put in place by Greensky supervisor XXXX on XX/XX/XXXX. 

XXXX by XXXX finally responded after the block was in place and tried to put me through to their credit manager, XXXX, who did not answer or return my calls. 

The voicemail that I was patched through twice did not identify as XXXX. 

I called XXXX back at Greensky with this update who said she would give XXXX until Monday, XX/XX/XXXX to cancel transaction. 

At XXXX, XX/XX/XXXX, the original salesman, XXXX, called me, but would not provide the remedy suggested by Greensky which was to credit me for the invoice for work not performed. 

Needless to say, I do not have much confidence in XXXX By XXXX which is supported by Greensky. 

It is also distressing to see that this company has over one million complaints documented here
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX