23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear XXXX, I am sorry to have to write to you but I do n't know what to do anymore. I have been receiving deceitful information from the loss mitigation department of Financial Freedom who have made it impossible to finalize a workout on my XXXX house. Even though I have followed all the requirements for an extension, I was just told that the home would go to foreclosure next Tuesday, XX/XX/2017. 

My mother took a reverse mortgage and after she XXXX, my sister and I have been working relentlessly with Financial Freedom to find a solution to sell the house and pay the outstanding balance. The house needs a lot of work and I am working with a few buyers who are interested in purchasing it but more time is needed to finalize the sale and close on the transaction. I have had an open discussion and ongoing calls with their company and it was agreed that the house will not be sent to foreclosure in XX/XX/XXXX and I would get a XXXX day extension of the foreclosure process if I provided the XXXX certificate, the proof of death, the Last Will and Testament, along with a cover letter and proof of selling negotiations such as a Texas XXXX XXXX XXXX XXXX and Sale Agreement document by XX/XX/2017. I initially submitted the requested information on XX/XX/XXXX and resubmitted again on XX/XX/XXXX ( attached is a copy of the fax with the date of when I sent the paperwork ). When I followed up on XX/XX/XXXX I was told that the request was denied because the information was not REVIEWED until XX/XX/XXXX This is very troubling and makes it seem like your company is trying to take advantage of my situation. I have tried to do what was requested and may now lose my mother 's home of almost XXXX years and currently my primary residence due to your company 's slow processing of paperwork. 

I am not asking to stay in the house permanently, I would however like to have an opportunity to sell the home and move out quickly. As my foreclosure date is imminent, I am requesting that you place my foreclosure on hold to provide me the time to execute a contract that will allow me to pay off the loan and give me the money needed to find an apartment. 

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

I opened a lease on XX/XX/XXXX. At the time I had a credit score of XXXX. The lease was for 36 months and subsequently the car was repossed in XX/XX/XXXX and sold. Because it was sold for more than what I owed I was never told I had to pay a balance. However on my credit report it said the account was closed on XX/XX/XXXX which is grossly inaccurate. I would like this Information verified and updated with all 3 credit bureaus
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of with XXXX XXXX XXXX of {$1200.00} with Account Number : # XXXX I do not have a contract witXXXX XXXX XXXX NEVER HAD ONE they did not provide me with the original contract, purchase agreement, my wet signature and ID verification as ASKED So delete this inaccuracy from my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  acct # XXXX should not be reporting on my credit. XXXX XXXX XXXX  has violated 15 USC 1611. By providing false and inaccurate information using charts or tables to understate annual percentage rates. XXXX XXXX intentionally and knowingly violated my rights as a consumer. And due to XXXX XXXX XXXX  violation I want this account removed from TransUnion and XXXX credit report. Also there were unauthorized charges and per FCRA 605B as a consumer I can block this account from my credit file due to fraudulent charges and unauthorized transactions.
Product: Credit reporting

XXXX were doing a loan modification on our home in which they told us they were going to do a XXXX bankruptcy to stop the sale of our home. Unknowing to us it was n't a XXXX bankruptcy because it is now listed on our credit reports. I filed a complaint with Consumer Finance about this company already. This company is located in XXXX and we are located in XXXX and from my now understanding they broke federal law in doing this. we would like for this public record to be removed from our credit report. They charged us {$4200.00} for a modification that we did not accept and {$1500.00} for a supposedly XXXX bankruptcy. XXXX scammed us out of {$5700.00} for services not rendered. My first complaint with XXXX # XXXX was dismissed, I would like for you to please take a look at XXXX cases. This company is scamming people out their money and should be held accountable.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Name : XXXX XXXX Account number : XXXX Also on my credit report as : XXXX  This company kept putting late payments on my credit report and I have never used or dealt with them before. I tried contacting them. The information they gave me is incorrect and I filed a dispute with them directly, yet they still havent remove it from my report. 

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 contacted Equifax by mail, fax, and phone and they refuse to honor this official document from the credit bureau since XXXX XXXX form the original bank stating the inquiries should be removed due to inaccurate reporting and now Equifax should be held liable for refusing to remove these 2 inquiries on my credit report after almost two years of disputes. This is ludicrous and the representatives within the company are not great for judgment.
Product: Student loan

I received a letter from the XXXX XXXX XXXX office that my last outstanding loan ( that was forgotten to be included with my other loans for XXXX XXXX XXXX XXXX XXXX has been determined eligible for forgiveness. The effective date of forgiveness is stated as XX/XX/year>. The letter states that my loan servicer will send communication within 30 business days. The letter was sent XX/XX/year>. The 30 days have passed and now my account on MOHELA shows that is it past due. On top of all this, I am owed a refund for one overpayment in the amount of {$380.00} that was incorrectly applied to this outstanding loan when the others were forgiven. I would appreciate verification that my credit score is not negatively impacted. Please see letter attached.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been at this point it seems like fight a 3 against 1 battle, 4 including a bogus collector on removing false and fraudulent information from my credit report. I have sent various disputes my mail and email with no response. According to 15 U.S.C. 1681 all incorrect information must be REMOVED from my credit file but i am having a very very difficult time getting the bureaus to see things from my perspective. Jefferson Capital Systems are fraudsters who have tarnished my character but no proof has ever been provided to me showing me i owe this alleged debt. Please if anyone reading could help me. I really wish this nightmare would be over.
Product: Mortgage

My mortgage forbearance for unemployment was approved and the servicer updated my credit report status from " XXXX '' to " 120 days delinquent '' without identifying any missed payments. 

During the Unemployment Forbearance, the servicer did not report Delinquency Status Code 09 Forbearance and Delinquency Reason Code 16 - Unemployment. The servicer did not utilize Delinquency Reason Code XXXX Unemployment even though I was approved for Unemployment Forbearance, against XXXX XXXX  guidelines. The servicer should continue to report a full-file status report to the XXXX major credit repositories for each mortgage loan in an Unemployment Forbearance plan in accordance with the Fair Credit Reporting Act and credit bureau requirements as provided by the Consumer Data XXXX XXXX XXXX Fullfile reporting must continue if the Unemployment Forbearance arrangement is extended and must continue to the end of the Unemployment Forbearance plan. 

I asked the representative to remove the delinquent marks and update the appropriate status to " current '' as I am still under an approved unemployment forbearance and have been impacted by a disaster ( Disaster Declaration # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX and XXXX refused to remove the delinquent status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report with XXXX based on information received from XXXX card. It showed that I had a delinquent account with XXXX XXXX in collection by an agency called AMSHERCOLLECTIONSERVICES # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX in amount of {$2000.00}, placed in collection XX/XX/XXXX. 
I disputed with XXXX that I do not have XXXX XXXX, have never received a bill from the collection agency. XXXX responded that investigation was complete and I owe the amount. File number with XXXX is XXXX ; date reported in XX/XX/XXXX. 

I had XXXX XXXX for about 3 months about 10 to 12 years ago, and account terminated because of reception problems, with XXXX balance due. 
I do not have bills or receipts because I have no business with XXXX XXXX nor Amsher Collection Services. 
I have not received a bill from XXXX XXXX since and never a letter or call from above collection agency.
Product: Checking or savings account

Unable to attach my atm card to XXXX  to send money to my children for emergencies. They live outside the state and it would be more cost effective to be able to use XXXX   instead of spending money to send via XXXX XXXX or XXXX XXXX.
Product: Debt collection

am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : 1.ACCOUNXXXX NAME : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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. 
XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account 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. It also states a consumer reporting agency can not furnish a account without any written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section Sates. No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of Information, other then records of conviction of crimes which antedates the report by more then 7 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 noticed inaccurate information about 3 bankruptcies on my report ( US BKPT CT GA XXXX, Account : XXXX, US BKPT CT GA XXXX, Account:XXXX, US BKPT CT GA XXXX, Account : XXXX  ). I inquired about the bankruptcies showing and they responded stating the courthouse provided the information.I contacted the courts and they stated that did not place the inaccurate information on my report. I have sent several letters including the letter from the courthouse they requested to show court house response to have them remove the unverified bankruptcies. They have been have ignoring my letters violating my consumer rights.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent activity, these accounts are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Trans Union, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX financial institution and the Consumer reporting agencies Trans Union XXXX XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Trans Union, XXXX, XXXX or XXXX XXXX XXXX XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Trans Union, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first and last name are as follows : XXXX XXXX MY current street Address is as follows : XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX
Product: Checking or savings account

I opened several accounts with Bank of West in XXXX of 2023. 
There was misuse of the initial cards sent The replacement cards were never forwarded to me and stolen along with many others items including car titles and license plates. 
I reported all of the disputes to Bank of The West prior to their merging with Bank of Montreal XXXX. 
I received a provisional credit from Bank of The West for only about {$620.00} approximately and that was the only credit out of about $ XXXX in disputed transactions on my checking account Then Bank of The West reversed the credit and blamed my beneficiary who was also a victim and not the person who did the fraud. We proved that his address was different and the bank gave us back the credit. I have explained this to Bank of The West in XXXX Ca where I opened the accounts and the XXXX XXXX said she would forward the information to the XXXX and confirmed this by email. The XXXX has never once contacted me. I saw two checks that I didnt recognize on my account next and I sent a message online to inform Bank of The West that I didnt write them. I then received an online message from Online services by a person named XXXX XXXX That she closed my accounts and then all my accounts were suddenly removed from the app and I couldnt access anything including my business account. I called the XXXX in XXXX and asked him why the accounts were closed without issuing a new account number He told me that the accounts were still open No one ever changed my account numbers to protect me and I couldnt access my accounts for a good two weeks Next I get a new card for my account and was told that one of my cards was issued in mid XXXX the same day a different card was issued. Apparently the bank issued one card number twice because the date she said it was issued was weeks after there was apparent card use with that number. I have attempted to dispute transactions over and over and the checking account department of XXXX formerly Bank of The West has no clue how to take my claims seriously. I have copies of my bank statements showing that every card that has been issued is the only card Ive had since I opened the accounts. It is impossible to understand how this bank is able to provide comprehensive service. They are intentionally causing enough time to go by that they now say the claims are too late. I have no provisional credits. They have not investigated anything and no one will confirm the items on the claims or provide me with any information no matter how many times I call and ask. XXXX person told me that he disputed everything in California and refused to give me a copy and refused to give me a total. This was XX/XX/2023. This person said I would have my provisional credits in one to ten business days and I still dont have them. I had the same issues with the credit card department however they have now handled my disputes according to policies but I will file a separate complaint about that account because they have mishandled my money. I am going to lose a property due to the mishandling of my accounts and I want my money. Policies are not being kept by this bank.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXXXXXX XXXX XXXX Balance : {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021