23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Freedom Mortgage has been holding back my home loan modification. I asked for the interest rate to be re-done since I have very good credit and they did not want to do it ( investor is not willing they told me ). Since this is a Conventional Loan. They are not willing to make any modifications on the rate to help. They said that they are modifying by placing my 5 payments at the end of my loan. I have paid my mortgage in a timely manner for over 4 months now ( I have paid my mortgage for over 10 years on time ) and I have asked them to let me know on the status of it and there is no resolution. I always get the same answer -- " WE ARE WORKING ON IT '' My statement ( attached ) shows that there is {$2700.00} as UNAPLIED PAYMENT .... am I paying interest to money that I have already payed? - Am I paying and money that is staying in a escrow account and not going into my account, while interest accrues? -- I do not how else to do do to get this resolved. I hope the XXXX XXXX XXXX help me to get this resolved or I will have to get an attorney to get some answers for me. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Charges from XXXX XXXX totaling {$1300.00} and 1 Account XXXX XXXX XXXX which are not my accounts Are reporting on my credit report I am in the process of getting a Mortgage and such information is holding me back from obtaining the proper funding
Product: Debt collection

Ive spent 7 months disputing this account based on it not being mine or error as stated, it has been very hard financially being denied for housing based on this data furnished to the credit agency. 

tem was deleted and claimed to be placed in error/ monetary relief.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$5300.00} Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX XXXX BALANCE {$1600.00} Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$3400.00} Account XXXX : XXXX XXXX XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$4100.00} Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect an unverifiable and canceled debt. This is for XXXX XXXX provided by XXXX founder and partner XXXX XXXX. XXXX XXXX refuses to contact XXXX who has stated that he is not collecting the debt. The Billing company that he used XXXX XXXXXXXX XXXX XXXXXXXX XXXX no longer works with XXXX and does not have billing records for this alleged debt. Their number is XXXX. XXXX XXXX can be reached at XXXX XXXX XXXX, XXXX, CA, XXXX ( XXXX ) XXXX XXXX XXXX has refused to contact the provider who owned the practice that the alleged debt originated from. XXXX Billing stated that he would be the individual responsible for deciding if a bill went to collections. The XXXX is no longer valid for the practice and they have no information about the debt. XXXX XXXX has refused to get current verification. 

XXXX  and XXXX have removed this item and sent information to Equifax that this is not a valid debt. Equifax refuses to remove the item. I have spoken to three different Equifax employees. One stated that she would have the item removed which was not completed.
Product: Debt collection

TRANSWORLD SYSTEM INC/ Original creditor : XXXX {$1200.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1200.00} {$1200.00} Payment Info Original balance {$1200.00} Balance {$1200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX I have never heard of this company until today when I reached out to XXXX to settle past due balance.
Product: Debt collection

The original amount of the debt was {$400.00}, the loan was from cash in a flash, now it was turned over to XXXX XXXX XXXX and the debt amount has now increased to {$6700.00} and keeps getting higher by the week. It was turned into collections on XX/XX/2018. The inflated amount is totally insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report from XXXX and equifax and i immediately realized a host of violations on each report. The collection accounts listed below are in direct violation to FCRA laws 15 U.S.C 1681 ( a ) ( 4 ) stating that its the credit reporting agencies grave responsibility to respect the consumer 's right to privacy and i feel rights were violating with these collections on my my credit report : XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX The credit reporting agencies were also in violation of law 15 U.S.C 1681 ( b ) ( 2 ) stating that reporting agencies are to furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates! No reporting agency had any written consent to furnish these accounts on my behalf and that is identity theft!
Product: Credit card or prepaid card

The week of XX/XX/XXXX Right when the Covid-19 Pandemic hit I was told by American Express my existing remaining available credit which was around {$8000.00} was being reduced to XXXX unless I paid {$3500.00} in 3 weeks. 

Now I have been with American Express for over 3 years, Ive never had a late payment, over the limit, or anything that would negatively effect by standing with American Express. In the middle of a world-wide crisis they abandon me when I needed them the most.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Capital One thru XXXX has been garnishing my wages for a debt that is well over 7 years old. They have violated my rights under the FDCPA Fair debt collection act. In XXXX XXXX, XXXX Capital One had a Civil Action against me. XXXX, XXXX XXXX XXXX filed it on Capital One 's behalf of a credit card debt of around {$1000.00} ( I dont know the true balance ) in XXXX County Oklahoma. I was never informed of this court hearing. I found out when on XXXX/XXXX/XXXX when Capital One started garnishing my wages at XXXX % per paycheck. The paperwork was supplied by my employers, not Capital One or XXXX, XXXX XXXX XXXX. That was when I contacted XXXX Co Courthouse for documents of the Civil Action. The balace of the bill was {$4800.00}. That was about XXXX times the accual amount of the bill. Then I moved from Oklahoma to Florida in XXXX XXXX due to the tornadoes destorying my home. 
In a new job in Florida I was yet again getting my wages garnished on XXXX/XXXX/XXXX. Capital One again thru XXXX, XXXX XXXX XXXX was garnishing wages at XXXX %. I called Capital One and they told me I would have to contact the lawer firm handleing the case. I called XXXX, XXXX and XXXX and tried to settle the case due to financially difficulties I was having. I was informed that they would not settle and if I didnt pay the full amount they could go to court and get me to pay more money than I owed. XXXX, XXXX XXXX XXXX didnt record my phone call and the woman I was speaking with refuse to tell me her name. She was cussing at me and telling me the firm and Capital One owned me and they could do what ever they wanted to get payment, the court was on thier side. About 4 months later I was contacted by XXXX, XXXX and XXXX about settleing the debt. The man stated he was authrized to allow the amount garnished to be enough to settle the debt. He would be sending me a letter in the mail stating the debt was settled and considered paid in full. The letter never came. I tried to contact XXXX, XXXX and XXXX at the phone number he provided and it was disconnected. Then called the phone number on all the papwork and was hung up on. Then on XXXX/XXXX/XXXX Capital One allowed XXXX, XXXX and XXXX to garnish my bank account. They took {$1000.00}. 
Captial One and XXXX, XXXX and XXXX has never once contacted me on any of the court cases against me. XXXX has XXXX County Court house where the judgements are coming from. The debt is well over 7 years old and doesnt even show up on my credit report anymore. Plus the fact that they settled with me and yet still coming for money and the XXXX Co Court is letting them. I know now that Capital Once and XXXX, XXXX and XXXX lied to me about the settlement as I have never gotten the promised settlement letter.
Product: Checking or savings account

I was a victim of a wire transfer fraud on XXXX. I had to close my account with Citibank & open a new account. A man named XXXX XXXX, got into my account, transferred {$3000.00} dollars from my checking account to my savings account, to cover a {$1700.00} wire transfer to XXXX XXXX & a {$1700.00} XXXX transfer. Citibank reimbursed me for the {$1700.00}, but I still am missing {$3000.00} dollars. I have called & written them repeatedly and they keep advising they are looking into it. The fraud agent confirmed that XXXX XXXX did transfer money to cover the Wire & XXXX transfer & that it would be replaced to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint was closed without any result of the investigation being sent to me. I am refilling this complaint again demanding to send the result of the investigation on these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Collections ). If these account can not be verified, I demand these items to be deleted.
Product: Debt collection

I was served tonite by a processor server at XXXX XX/XX/23. The court stamps are NOT legible to see where it came from and the date stamp from the court is dated XX/XX/23. Im suppose to respond within 20 days The case number listed by the lawyer representing the collection agency is not real. They are also suing me with a XXXX doe and Im not married they listed marital community. I did a state search and found a completely different case number not even similar, the case number on the papers are only 6 digits versus the 9 digits including letters in the wa court database. The order is also dated XX/XX/23 a month before the order was filed. The suit is for a medical bill for {$390.00} that I havent received any correspondence from. The debtors have also added interest and fees pushing the amount to over {$700.00}. This same lawyer and collector did this previously waited a month to serve my employer after they filed exparte where I wouldve shown up to proof the debt was paid. After they garnished my checks and then had the money returned due to this debt being paid. Also the lawyer and the collection agency work from the same address
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report. I am a victim of a data breach, and these accounts were opened without my knowledge or authorization. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to request the immediate removal of these fraudulent accounts and inquiries from my credit file. 
Fraudulent Accounts : XXXX. DP OF EDUC XXXX XXXX XXXX XXXXXXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} Fraudulent Inquiry : XXXX. XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this account on XXXX XXXX, the company told me before I purchased the product that they will report my payments to the credit bureau as long as I make my payments on time. It has been 9 months later and have not reported anything. So, XXXX XXXX I stopped making payments now the company calls, emails me, sending multiple text messages to my phone number on file stating that MY LULL PURCHASE HAS BEEN REPORTED DELINQUENT AND MUST BE RESOLVED. AFFIRM is the loan company I've Called on XX/XX/2022 Spoke with XXXX, CASE ID # XXXX, Called again on XX/XX/2022 Spoke with XXXX CASE ID # XXXX, Last time I called was on XX/XX/2022 Spoke with XXXX. They all have told me they will resolve it but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account is not mine. Please provide the assignment contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a bill in the mail that was a 60-day past due bill for a student loan that was supposed to be in grace period ( I graduated in XXXX of XXXX with my final degree ). The last notice I received stated that the covid extension was ending soon but I was still in school so I should not have had a payment, regardless. This was early XXXX. I had not once received notification that a bill was due, and would have gladly paid it on time if I had received it. Instead, the bill was past due when I had no prior knowledge a payment had been due. I was contacted by the university instead after the fact. I attempted to contact XXXX by phone, of which I was on hold for almost 2 hours before hanging up. I instead called the university and they stated that XXXX had attempted to contact me by mail and school email in which I have not had access to in almost 5 years. I still receive mail at the address that was provided and as stated above I have not received a notice from XXXX about a payment due, but a letter from XXXX  XXXX XXXX when the bill was already 60 days past due. I asked why another notice wasnt sent by the school before it got to the point of being past due if they are able to handle the same matters, as to which I was given no explanation. I paid the past due amount a few days ago, which is not a problem. But I was informed that the past due status was reported to the credit bureau on XX/XX/XXXX, again, with no prior knowledge on my end of a bill being due by mail or by phone. When I asked the representative at XXXX  XXXX XXXX if she can assist with removing this from my report she stated that I would have to file a dispute. I would like this removed from my credit report. I have never missed a payment to any creditor, and this will negatively impact my credit report and corresponding score. Also to note, I check the federal student loan website pretty frequently and it never updated to indicate there was a payment and how much.
Product: Vehicle loan or lease

On XX/XX/XXXX, a towing company came to pick up the XXXX XXXX XXXX XXXX XXXX XXXX I came outside resisted by sitting in the car while I told him I was on the phone paying the debt. I paid the {$1600.00} on the phone and the tow truck driver was advised to let the car down. He did not and took the car. I called and asked when I can pick up the vehicle since it was paid. They advised I had to wait 24 hours. Since the 24 hours I called on Saturday and they were closed, I called Credit Acceptance where they customer service reps were extremely rude and they stated my account was under review due to it being a threat. I advised of what occurred and I at no point was a threat. Because they took the car while I sat in the car and paid it, the tow company and finance company disturbed the peace. No where in the contract it states, they would hold the car until anything is investigated. Credit acceptance is unlawfully holding the car but accepted the payment. I also offered to pay the accepting with a debit card and they refused payment. Credit acceptance is in debt to me {$3000.00} for the automobile I traded in and I will no longer be responsible for the loan on the XXXX XXXX I advised I needed the automobile back immediately due to being in a XXXX XXXX situation. They advised it is their policy that they would hold the car until they see fit. I will not pay the car if I do not have access to the car, they are breaking contract and refusing the payment via debit card when I already paid ACH. I paid over {$2700.00} in repairs to the XXXX XXXX XXXX due to it being sold to me with issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my right to privacy. 15 U.S.C. 1681 SECTION 602A States I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 IT Also states that no credit reporting consumer can not furnish an account without my written instructions. 
In accordance with Fair Credit Reporting, act XXXX XXXX XXXX has violated my right to privacy. 15 U.S.C. 1681 SECTION 602A States I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 IT Also states that no credit reporting consumer can not furnish an account without my written instructions.

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX  has violated my right to privacy. 15 U.S.C. 1681 SECTION 602A States I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 IT Also states that no credit reporting consumer can not furnish an account without my written instructions. 
In accordance with Fair Credit Reporting Act XXXX XXXX XXXXXXXX  has violated my right to privacy. 15 U.S.C. 1681 SECTION 602A States I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2 IT Also states that no credit reporting consumer can not furnish an account without my written instructions.
Product: Credit card

Bank of America called complaining I missed a payment. I always pay Bank of America on time to avoid late fees. This time they got me, though. For the XXXX time, Bank of America did not send me my bill in the mail. I have been calling Bank of America for XXXX months in a row to make sure they mail me my bill. This XXXX time, I forgot to call Bank of America and request my bill on time. So, I guess they were waiting for me to forget to call. My bill was not sent for XX/XX/XXXX payment and now I owe them big time in late fees. Never had I dealt with a company where I have to beg for my bill to be sent on time. I read in the news that credit card companies were looking forward to these extra fees. Its too bad that they stoop so low and not mail me my bill on time XXXX months in a row. 
Hilariously, the guy from Bank of America tried to get me to pay over the phone again. After I specifically told him that I did not think it was safe to give out my bank account number over the phone. There are plenty of scams going on in this world. I have no idea if these people really work for Bank of America. Anyway, I have to wait until Bank of America decides to send me my XXXX bill. Time is ticking, the interest is accelerating, Bank of America has me by the " hair '' and pulling hard at my bank savings.
Product: Debt collection

This company has left multiple messages stating that they 'll sue me for a debt. They left no file or reference number, and the one time I spoke to someone, I requested proof of the debt and have yet to receive anything. And states that they could n't do that until they receive a payment. I feel like this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates 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 these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

recently discovered that someone fraudulently used my identity to apply for a XXXX XXXX credit card without my consent. I did not authorize this application, and as a result, an unauthorized credit inquiry was added to my credit report. I have already contacted XXXX XXXX XXXX and they have initiated an investigation. However, I am requesting that this unauthorized inquiry be removed from my credit report immediately, as it was the result of identity theft. Please assist in ensuring this matter is resolved promptly.