23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Maam : I am writing to dispute the following information in my file : Freedom XXXX Home Loan, Account Number : XXXX You will also find this item circled on the attached credit report. The item I have identified is inaccurate because Of the Issues in closing the loan between XXXX XXXX and Freedom XXXX. I am requesting that this item be deleted in order adequately reflect my true credit history on the attached report. 
We opened escrow on XX/XX/2021 and the escrow office received the payoff amount in XX/XX/2021 the payoff was rejected do you Freedom had made the taxes and the payoff was rejected on XX/XX/2021. On XX/XX/2021, I started to received calls stating that my payment was missed, and it need to be paid asap. At this time, I was unaware that the escrow payment was rejected and returned to XXXX. I was never informed by either of the companies. I am now showing that I have a 30-day late in XX/XX/2021 for a missed payment that both companies stated was not due because of Escrow. The loan was paid in full + the taxes were paid twice. I was told by both companies do not make a payment. I have never missed a house payment!! 
In my calls to Freedom Mortgage, this has been a very frustrating process to navigate at I have spend hours on the phone and to only be hung on multiple time. When asking to elevate my calls to a supervisor again after being on hold 1-2 hours the calls have been disconnected or I have been told that I will receive a call back have never received a call back. 
During the process, I was also losing my husband to XXXX and was his full-time caregiver. I truly feel taken as advantage of. I am XXXX ( XXXX XXXX XXXX ) and have been spoken very rudely to by Freedom Mortgage on multiple occasion when trying to resolve this issue. As stated above, I have NEVER missed a payment on my mortgage and feel this derogatory mark is very unjust.
Product: Credit reporting or other personal consumer reports

These late payments are not aligned with my regular payment habits.
Product: Credit reporting

I purchased an item that I never received using XXXX XXXX 's website and it 's retailer credit card. I was told that the purchase would go into dispute, but someone made a mistake and it never did and subsequently the amount owed went past due and collected interest. It was then reported to the credit bureaus. I have since asked XXXX XXXX 's credit services to refund this amount, and again it is in dispute and has been reported in that manner. XXXX were cooperative and changed my information regarding that account accordingly. Experian, however, has refused to update the information and has left the negative information regarding my standing with XXXX XXXX despite having disputed it with Experian XXXX times. I attached the following letter to my latest dispute but they have responded by saying it was updated, but the information remains the same as previous.
Product: Mortgage

A reverse mortgage company solicited a mortgage from my XXXX Mother. She lives on the west coast the loan company is on the east coast. She had XXXX some time in the past and was hard to converse with in person and nearly impossible on the phone. The loan company sent appraisers and estimators to her house but no loan agents. She was given a list of repairs that would have to be made to her house as well as an estimate to have the work done. Although I was not in favor of the reverse mortgage it was not my decision. I was shown the estimates for the repairs and new that they were significantly lower than they should be and suspected the loan company of intending to submit a final invoice much larger than the estimates. Therefore performed all the repairs at my expense which the loan company did not like at all. They did there best to discredit the work but their inspectors had to acknowledge that all the repairs were complete and correct. Non the less it appears that the loan company added their original estimates to the costs of the reverse mortgage even though they did non of the work. My mother passed away from another XXXX. In the course of trying to sort out the mortgage and other affairs I found a document on her computer. It was a form stating that she had met with a re [ presentative of the loan company in person and that all aspects of the transaction were explained to her and under stood. I believe this document was a legal requirement and that it was e-mailed to her with instructions to print it out, sign it and mail it to them even though no agent and met with her in person. These are only some of the issues I 'm having trouble with. I 'm not sure what qualifies as a " predatory loan '' but my mother was pressured and misled. She would never had agreed, nor would any rational person agree to borrow XX/XX/XXXX dollars for three years in exchange for a house worth over XXXX.
Product: Credit reporting or other personal consumer reports

I have not requested these companies to access my Transunion consumer reports. They have committed identity theft by not getting my permission Inquiry : XXXX XXXX XXXX Dated : XXXX Inquiry : XXXX XXXX Dated : XXXX Delete this information from my consumer file.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 


XXXX XXXX Balance : {$30.00}
Product: Credit reporting or other personal consumer reports

I noticed inaccuracies on my credit report under 15 USC 16c-2, which are negatively affecting my credit score. These inquiries were not authorized by me.
Product: Mortgage

I had Home Equity line loan from Wells Fargo, which was discharged through Bankruptcy Chapter XXXX, Bankruptcy was filed in XXXX and discharged in XXXX. Wells Fargo is reporting it to the Credit Reporting Companies after the bankruptcy discharge date in XXXX. The last reporting date is XXXX. This is negatively impacting my ability to secure Re-financing of my house. Reporting after the discharge date should be deleted from my credit reports. However, they can report it before the discharge date in XXXX.
Product: Debt collection

XXXX and XXXX contacted me concerning a debt that I owed to HSBC in the amount of XXXX. They set up payment arrangements and collected the money. I received a letter from The XXXX XXXX showing this debt to be paid off. Now I am finding out that I had already paid this debt back in 2012. I tried to contact them to receive my money back to find that the phone number is just busy or you can not leave them a msg for a return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinance my house with XXXX XXXX they paid off my loan on XXXX XXXX XXXX XXXX XXXX credited my account on XXXX XXXX XXXX XXXX XXXX reported me late for XXXX but XXXX made sure they had there check on the XXXX of XXXX I want this late payment removed from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX//2020 I opened a dispute on my Equifax credit report. Disputing a debt owed by a company I did not enter into any contract with. 

As of XXXX/XXXX/2020 that dispute has yet to be resolved. 

After verifying my identity by submitting a copy of my driver 's license and social security card. I was told it had been more than ( x ) amount of days, and I needed to resubmit my id & ssc to verify my identity again. 

Answering their 5 verification questions, I always manage to provide the " wrong '' answers according to them. However, the fact of the matter is ; I've answered the questions truthfully and they ate not able to explain how or why the answers are wrong. Even after verifying my identity the first time around. 

To this present day I've done my part to resolve the issue but them not being able to reach a decision, is hindering me from being able to reach my credit goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a loan through XXXX XXXX XX/XX/XXXX for {$36000.00}. When I initially got the loan, there was a glitch in the system during my XXXX payment month. I was assured the payment was received and I owed nothing until my XXXX  payment rolled around. Then, I was informed the payment did not go through and I would need to pay. So they worked out a deal, which ended up hurting me in the long run. They basically tacked the late payment to the end of my loan but on paper it looked as if I was always paying a month behind. I was laid off twice while having this loan in XXXX and XXXX for a total of XXXX months. I called and tried to make arrangements with XXXX but the month behind quickly became a problem for me. All the delinquencies on my account are from that timeframe where I was out of work.I wrote the companies XXXX. I was forwarded to XXXX XXXX. She was still not able to get the delinquencies updated although my loan is paid in full. This loan is still negatively impacting my score and I have tried everything to get this corrected.
Product: Debt collection

I want them to send me the name of the original address of the original creditor
Product: Credit reporting or other personal consumer reports

15 US code 6802/ this has been violated. My account information should not be shared with 3rd party companies for my protection.
Product: Checking or savings account

I opened an account with Citibank. The terms of the promotion were Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. I opened the account end of XX/XX/XXXX and deposited the funds on XX/XX/XXXX. I met the requirements by XX/XX/XXXX. The 90 day requirement finshed on XX/XX/XXXX. I contacted the bank and they opened a case. But not update afterwards.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting act XXXX, these accounts have violated my rights. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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
Product: Credit reporting or other personal consumer reports

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

Hi, we cancelled our credit card with American Express after over 20 years of excellent payment history since we were denied a charge for our taxes in XXXX, and after being insulted by an incompetent CSR, who told my husband we need to pay down our card to improve our credit so he cancelled our AMEX cards. Then, we later found out our AMEX rewards points were gone so we filed several complaints with AMEX with no resolution so we are seeking the return of our XXXX points that still show up on our most recent XXXX XXXX statement. The CSR never told us we would forfeit our points, and the CSR 's who we filed our complaints with keep saying there our no notes of our conversations so we want to put this in writing so everyone can see what a SCAM AMEX can be after 20 years of loyal service. In fact, our XXXX XXXX statement shows we have XXXX new points so not sure why we would accrue additional points when our past hard earned points were taken away so please help us resolve this matter before we file a small claims suit next for additional damages to our credit reputation as well per the CSR 's blatant ignorant statements which originally caused us to close our AMEX account. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct or remove. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected or remove : XXXX XXXX XXXX Balance Owed : {$3300.00}. XXXX  XXXX Balance Owed : {$0.00} - removed.
Product: Checking or savings account

My business account with TD Bank was recently charged almost {$2000.00} by a company called XXXX I've requested that my disputes be expedited. I've been stuck in XXXX Tennessee without money also my XXXX XXXXXXXX XXXX was skimmed I've called td bank everyday begging them to process these transactions so I can get my money back. Apparently TD allows their managers to hang up on customers.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and identified several inaccuracies associated with my account. I believe these inaccuracies are negatively impacting my credit profile and hindering my ability to secure credit. I request your assistance in investigating and verifying the accuracy of the following item on my credit report : XXXX XXXX XXXX Account number XXXX
Product: Checking or savings account

There is someone using a secrete private surveillance camera in XXXX county Georgia or some kind of crooked law officer correctional officers watching while I'm at my atm an has someone with the same card I have an used my debit card information an took XXXX dollars off my debit card the first time XXXX dollars an XXXX dollars the date XX/XX/XXXX between 6 or 7 early mourning in XXXX county georgia
Product: Debt collection

XXXXXXXX XXXX  branch/ security loan- calls me every XXXX weeks and leaves a voicemail for YEARS. This is NOT my debt and they are trying to collect from XXXX XXXX who is my sister in law. I do not talk to her and have never had a relationship or friendship with her even though she is my husbands sister. She put me down as a reference probably knowing she wasnt going to pay them. I have requested multiple times for them to remove me because I do not talk to her. Im not sure how old this debt is but they used my maiden name and I have been married for 10 years now. Its frustrating because my husband and I are very responsible and have great credit ( XXXX both of us ). We do not do these payday little loans and I should not be harassed by this company when this debt has nothing to do with me or my husband. I have talked to someone at the XXXX XXXX branch, XXXX and XXXX also corporate.
Product: Checking or savings account

Discover Bank has failed to be transparent regarding their fees and services since I have opened an account with them less than 30 days ago. On XXXX, I opened a checking and savings account with Discover Bank and initiated a transfer to fund my new account. There was some " system error '' on Discover 's part that listed me and myself as both the primary and joint account holder -- leaving my husband completely out of the account and 2 cards arriving to my house in both my name and my name. It seems reprehensible that a banking institution could make such an egregious mistake using someone's social security number. 

Furthermore, I remained with Discover but with so many issues that I am forced to close my account within the first month. My first transfer took almost 7 business days ( 1.5 weeks ) to process. I called to inquire about this long time frame and was promised this is only the case for the first transfer. However, ALL of my transfers since have been the same processing time or even longer. Even debit transactions take 3-7 days to process with Discover when XXXX and other banks process the same day. 

Moreover, I deposited a check via mobile deposit from my employer. The bank website states that " deposits made before XXXX XXXX  will be available same day ''. I made the mobile deposit at XXXX XXXX on XXXX and was notified that my funds would not be available until XXXX. This is the most insane policy and processing time I have ever experienced with blatant lies stemming from their website. Discover Bank should not be allowed to hold funds for this time period without making it OBVIOUS that this is the case. Nowhere on the website does it state that your funds will be held for over 10 days. 

The bank says that they are " XXXX  FEE '' and the agents on the phone will emphasize this. However, it's not true and again -- lack of transparency! I was charged for ATM withdrawals even though they are " XXXX  FEE ''.
Product: Checking or savings account

I've been trying to use my debit card since a few months ago without success, today I called customer service, they need to verify some transactions they asked me verifications questions and finally a passcode to my phone number on file but the representative told me that phone number is not elegible to receive passcodes, and I was referred to a branch. 
Im not XXXX resident, right now I'm in XXXX travelling and my residence is in XXXX. So I requested to have a replacement debit card and the representative told me that my accound had a " maitenance '' recently and she cant proceed. 
I've updated my phone number on XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I 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 XXXX : 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XX/XX/XXXX- XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/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 one 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 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 60 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 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe these accounts are in error and incorrect. Please investigate the accounts enclosed in my report attached. These items are not correct and are causing me financial and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I XXXX XXXX XXXX am a victim of identity theft and identify fraud where XXXX XXXX XXXX and XXXX XXXX XXXX two wanted fugitives for multiple XXXX. That I reported to the New State Attorney General and the Massachusetts state attorney general. There an active NYS attorney general investigation in to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX as well the two fugitives named above XXXX XXXX XXXX is my mother so she had all my Information as far as D.O.B XX/XX/XXXX S.S. # XXXX My address XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. After I reported my whole family for multiple XXXX they retailed by XXXX XXXX is my cousin she call all my creditors XXXX XXXX XXXX  XXXX XXXX and making false claim of my accounts being put in to collection. XXXX XXXX my sim card out my XXXX and creating XXXX dollars in fraudulent charges and called XXXX put it in to collection not once but twice. After it was resolved with XXXX and discharged off my credit report do to fraud. These events have adversely affected my Credit score before the fraud I was an XXXX with Trans union now Im a XXXX with Trans union. Please restore my credit score to where it was before the Identify theft and the Identity fraud that I reported to the F.T.C and other agency CFPB years ago. If not I will be forced to take legal action. Thank you XXXX XXXX XXXX XX/XX/XXXX