23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Currently Freedom Mortgage Corporation is blocking me from submitting my payment online. I have had to pay my mortgages over the phone and work through their {$15.00} phone payment process. I have asked them to fix this since XX/XX/XXXX. Their tech, XXXX at extension XXXX was supposed to call me and work this out. He has several messages from me and the latest we set up a time for today, XX/XX/XXXX XXXX XXXX to resolve and he was a no show. I can only conclude that FMC is now blocking me from making electronic payments. This goes along with their threats, RESPA violation, refusing to pay their bills and refusing to send me the required closing docs I have repeatedly ask for and have not received. 

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

I had recently sent a letter to cfpb showing that XXXX who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to both XXXX, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX  XXXX Bankruptcy XXXX XXXX & XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Ive been victim of identity theft for more than 3 years, because I lost my back pack that contained all my important documents. 
I filed a police report and I put a freeze in to my credit bureaus. 
there were 6 collections accounts under my name, I took out 2 accounts already but i still have 4 to go and one of them is this medical bill from XXXX  XXXX XXXX XXXX of XXXX . 
Even though the person has my lost ID and social but Im sure he doesnt look like me in the picture.
Product: Credit card

I am prepared to accept your offer under the condition that you provide evidence supporting your assertion that the payment from XXXX Credit Card Account number was not fully applied to my account every billing period. 

This debt is considered to be invalid until I receive proper validation and your offices provide XXXX  with proof of claim of the disputed debt. Your offices have XXXX  days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of XXXX credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. 

If your offices fail to respond to this validation and proof of claim request within XXXX  days from the date of receipt, all references to this account must be deleted and completely removed from XXXX credit file and a copy of such deletion request shall be sent to XXXX  immediately.
Product: Credit card or prepaid card

Fidelity is not protecting me from fraudulent use of a credit card it issued to me. 

Furthermore, Fidelity keeps telling me different things when I call to address the matter. Fidelity has told me to submit my claim one way and assured my card would not be charged, only to later tell me my card will be charged. Fidelity has repeatedly told me I would receive follow up calls in the past, and then they would not follow through at all. 

In addition, Fidelity representatives continue to tell me, inaccurately, that I bought a purported ticket and used it and that the ticket was non-refundable. Therefore I have to pay it whether I like it or not. However, I did not buy or use this ticket. Fidelity keeps telling me to prove I did not buy it, but one can not show evidence for something such as this that did not happen. Their fraud reviewal process is flawed and nobody at Fidelity has been accountable. Their credit card operation is a rudderless ship. 

Fidelity markets and benefits from credit cards, but does nothing to help its consumers. They disassociate themselves from the credit card and tell their clients they have nothing to do with it when there is a problem. Fidelity is only interested in taking your money, not in protecting it!
Product: Credit reporting, credit repair services, or other personal consumer reports

As an XXXX  CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

I demand the following accounts be verified or removed immediately.
Product: Mortgage

SPS, Select Portfolio Servicing , INC, a mortgage servicer, servicing loans in California is refusing to comply with HAMP modification guidelines. They have received a complete modification package on this file several times. They assure a response within 30 days. Thay have NEVER responded in writing as to a resolution to the file. They ask that we start all over because they did NOT review the file in a timely manner. I have submitted FOUR separate COMPLETE applications, and not once have they approved or denied in writing ....
Product: Credit card

US Bank did not honor cash back offers. To encourage customers to use their credit card they offer additional cash back at various merchants. On three occassions I activated and completed the deal but recieved only parital cash back or nothing at all. For example 10 % cash back up to {$120.00} was offered at XXXX ; I spent {$130.00} but US Bank only gave me cash back on {$30.00} of it. I would have spent much less if I'd known they were going to do that. Two other deals I got nothing back. Since they were for food, there was no way to undo the purchase. US Bank has no way to dispute not receiving a cash back deal, you are just out of luck. Customer Service says they have no control over it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries are showing more than once on my credit. Some of which I do not recognized. XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX Follow-Up Consumer Opt-Out Dispute - Non-Compliance with Written Instructions USPS TRACKING NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX To Opt-Out of Furnishing Data on my Consumer report for the Following Accounts Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the lack of response from XXXX XXXXXXXX XXXXXXXX XXXX after sending opt-out letters on both XX/XX/XXXX and XX/XX/XXXX, XX/XX/2023. Since then, the company has failed to meet my written instructions, and my consumer information continues to be disclosed without my consent. 

As a Federally protected consumer, I have opted out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to XXXX XXXX XXXX XXXX XXXX This opt-out request aligns with my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

The ongoing disregard for my explicit opt-out directive is a clear violation of the Fair Credit Reporting Act, specifically 15 U.S.C 1681, 15 U.S. Code 6801, and 15 U.S. Code 6802. These violations compromise not only my privacy but also my ability to control the disclosure of my personal information.

I am now submitting a formal dispute with the following requests : **Immediate Removal of All Furnished Accounts : ** I request that XXXX XXXX XXXX XXXX takes immediate action to remove all furnished accounts listed within this dispute from my consumer report. This request is in accordance with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802. 

**Compensatory Damages : ** In the event that XXXX XXXX XXXX XXXX willfully continues non-compliance with 15 U.S. Code 6802 by failing to honor my opt-out requests, I reserve the right to seek compensatory damages. I request that XXXX XXXX XXXX XXXX pays a minimum of {$1000.00} for every offense of willful non-compliance. 

The requested remedies are necessary to rectify the harm caused by the ongoing disclosure of my personal information without my consent. I appreciate your swift attention to this matter and request confirmation of the receipt of this dispute. 

I trust that the Consumer Financial Protection Bureau will investigate this situation promptly and take appropriate action to ensure XXXX XXXX XXXX XXXX complies with federal regulations. 

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

Hi I am submitting this XXXX XXXX his isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution.next step is to take XXXX  to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This southwest credit systems has been robocalling my parents home where I no longer even live literally XXXX times a day and each time has no information to provide i.e. What the debt is or what company they represent and who the debt is in regard to. They call from multiple phone # XXXX and have not contacted me once in writing about anything. This is illegal and has done nothing but disrupt my parents lives. I ca n't even figure out who they represent not to mention I do n't trust anything verbal with these companies as they are the ambulance chasers of debt XXXX.
Product: Mortgage

I have been misled by the representatives of M & T Bank and I can not understand the poor treatment I have received during the servicing of my mortgage loan. I have lived in my home since XX/XX/XXXX, and I 'm an active member of the community ( I volunteer with my church and with my son 's school ). But I am in jeopardy of being forced out of my house through foreclosure because M & T Bank refuses to work out a reasonable solution. 

This property has had its issues since I purchased it. The appraisal and inspections failed to inform me of the XXXX unit being old ( I had to immediately replace it ) and of the foundation issues I had to repair. But this is my home!!! I worked hard to get this home and I want to keep it. 

In XX/XX/XXXX, I lost my job as a XXXX since XXXX forced them out of business. I struggled by using my savings until I could n't anymore and fell behind on my mortgage. After back and forth trying to get help, the lender offered me a forbearance agreement that I complied with. Eventually I got another managerial job and applied for a modification, but all M & T offered me was an unrealistic and irrational proposal which only dropped my payment by $ 100/month, which was n't going to help me. 

Their entire operation operates like a group of bullies and thugs, not businessmen. While trying work with them on a solution to this problem, the representative ( XXXX I believe ) told me I should just " put it up '' ( meaning put my house up for sale!!! ). She knew I was n't going to get the help I needed to save my home!!! 

I want their office to take a hard look at the servicing history of my loan and the possible retention options so I can get back on track with my mortgage. Is n't that what they are obligated to do after taking my tax dollars to bail their business out? I 'm not asking for a handout, just a fair and reasonable solution that allows me to keep my home. 

M & T Bank has turned my life upside down with their deceptive, unethical, and probably illegal activities. I am very kind, but also tough and resourceful. I am left with no choice but to engage elected officials and regulatory agencies to help me against this lender. I would have preferred to deal with them directly, but they have proven that their organization just another greedy company interested in profits without care for the well-being of their clients. I would appreciate any assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters addressed to the Creit Bureaus for a long time already and I feel that the Credit Bureasu became negligent of their duty and never pai attention to my disputes despite all my extended efforts. The last letter I sent to the Credit Bureaus was on XX/XX/XXXX. Right now, I am submitting this complaint in response to the current evaluation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and there are errors that are reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : DEPTEDXXXX  XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX ; and XXXX CO XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX. I would like the Credit Bureaus to please send me the name and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, get rid or update the items and maintain the Bureuaus ' help in attempting to resolve the current issue.
Product: Debt collection

this debt has been paid in full to XX/XX/XXXX Please remove this collection entirely from my XXXX  report
Product: Checking or savings account

Request to reopen CFPB complaint XXXX. 

Bank dishonestly advised CFPB that it would seek to resolve my complaint by crediting my account for their error ( and provided CFPB with an account of its error which differs from the multiple explanations I received from the bank ). CFPB obliged, unilaterally closing the complaint. 

No credit has been received for the bank 's errors.
Product: Money transfer, virtual currency, or money service

Back in XXXX and XXXX cash app took my money stole my money transferred money to different accounts close my account without my knowledge I couldnt contact them because they didnt have a number to contact. They owe me {$7000.00}. Theyre saying that they have no knowledge which they do And I want my money back.
Product: Mortgage

Specialized Loan Servicing is knowingly engaging in the prohibited practice of " Dual tracking '' while I 'm applying for a loan modification. I 've submitted all the required and requested documents. I received the enclosed letter indicating the status of documents received. I called SLS via phone and was told to resend a XXXX and XXXX forms. I send these forms immediately via fax and email. I called SLS again to verify receipt of the tax forms and was told to resend again because know they no longer accept the forms anymore despite me getting the tax forms directly from SLS website 's Document Library. I have had this pattern of SLS telling me something IS wrong with this tax form at least 4 times causing delays and putting me in danger of a foreclosure sale.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

I filed complaint # XXXX on XX/XX/2024 against Experian because they have refused to correct an over-reporting of my student loans despited numerous requests that they do so. I have a TOTAL student loan balance with XXXX XXXX of {$110000.00} which is the total amount of two separate federal student loans added together ( one subsidized, on unsubsidized ). I discovered in early 2024 that Experian was reporting a total of {$230000.00} which is DOUBLE the amount I owe. I notified them repeatedly to avail, until many months later they removed one and ONLY one of the duplicate amounts. I then filed complaint # XXXX and have been waiting for Experian to correct this once you got involved but today learned that Experian has gone back to reporting DOUBLE the amount I owe, reporting as of today again that I owe a total of {$230000.00} when I only owe a total of {$110000.00}. I am attaching a copy of Experian 's report and XXXX XXXX  documentation showing my total amount is {$110000.00}. Experian has caused me an emormous amount of grief, lost time, frustration and continues to refuse to correct this egregious error. Please help!!
Product: Mortgage

I assumed the mortgage of my late husband. The mortgage company is refusing to give me information I am asking for, allow online access to the mortgage documents, and allow online access to make payments. According to the law, when I assumed legal liability for the mortgage, I have all the same rights, privileges, and responsibilities my late husband had. Since he had the ability to pay online and view documents, thise rights convey to me as the assuming mortgagor as if I were the original mortgagor. I have paid this mortgage dutifully since my husband died almost a year ago, and now that I have assumed the mortgage, they are making it difficult for me to pay or access information and documents that I signed along with my husband on closing day. They are refusing to send paper statements to me, because my husband opted for electronic statements, but won't send them to me or allow me access to them online. I feel as if the company wants to pressure me to refinance into a more expensive, higher interest loan to make more money because of the rise in interest rates and the slump in new home loans.