23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Submitting a second complaint. This complaint is a followup to my original complaint submitted on XXXX ; the # is : XXXX. 

After trying to pull my mortgage out of Covid-19 forbearance since XX/XX/XXXX and paying my mortgage since then ; it wasnt until I submitted my CFPB complaint in XXXX that I learned that I wouldnt receive the loan modification paperwork until I dissolved the trust that my property was in. I went through the very laborious process of closing the trust and supplying Freedom Mortgage with the recorded deed that shows that I am the only owner to move forward with the loan modification and I was told today XX/XX/XXXX that a Freedom Mortgage loss Mitigation rep indicated that the deed was cut off and somehow not legible after they reviewed the deed. This is false and not accurate and again speaks to ineptness of many of the Freedom staff. I am yet again being given the run around and my mortgage is still in forbearance and I have been awaiting loan modification documents since XXXX. I have supplied my updated deed which clearly shows that I am the owner ; I am not sure how this company can continue to legally abuse and swindle clients. I need this issue resolved immediately. 

I also want to note that the response that Freedom supplied to the above complaint number, they said someone would followup with me directly, no one ever followed up with methis company has a huge lack of customer service and followup and they are dealing with peoples homes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an 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

This is my second complaint on this website against XXXX XXXX XXXX. The first complaint { XXXX } was issued on XX/XX/XXXX. XXXX   replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report.

Today is XX/XX/XXXX, XXXX  has done nothing. XXXX  is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed XXXX that I am attempting to purchase a new home, and I need the lateness 's removed. XXXX  has assigned me a point of contact by the name of XXXX XXXX XXXX. Mr. XXXX rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX XXXX replies to phone calls and emails even less than Mr. XXXX. The times XXXX has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done.

If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up.

Attached please find XXXX   's response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.
Product: Credit reporting

I recently disputed information on my Experian credit report that I either have no knowledge of and or duplicate accounts that are reporting on my credit report. I also disputed incorrect addresses and names that I am not known by or ever used that are reporting on my credit report. The only address that should be on my report is XXXX, ga XXXX. My correct name is XXXX or XXXX XXXX XXXX which are the only names I have used. I have several student loans from the dept of education, aes and naive to reported duplicate accounts that have been consolidated. This is hurting my credit scrore preventing me from getting a home loan. I have XXXX duplicate accounts reporting from XXXX XXXX XXXX that I have no knowledge of and XXXX account from XXXX XXXX that I also have no knowledge of.
Product: Mortgage

I contacted Quicken Loan on XX/XX/XXXX to refinance my XXXX loan I havewith them to lower MI. Information was taken and my credit report wasaccessed ( it 's XXXX ). Was told I was better off going conventional. I asked tocompare conventional with XXXX loan. Those figures were not provided. Iwas provided figures for the conventional with no MI included, utilizing anestimated appraised value. On that night, I signed the application, GFE, and locked the rate. I was requested to pay {$500.00} to proceed. Every-thing needed to be done fast since I was led to believe the interest ratecould change. On XX/XX/XXXX I sent QL my bank statements, verificationof income, and tax returns. On XX/XX/XXXX I received email saying I wasconditionally approved. On XX/XX/XXXX Quicken changed the GFE since theyclaimed that the Credit Report did not include a loan I had taken a theend of XX/XX/XXXX. The revised GFE included MI, among other changes. 
QL asked me to pay off a credit card and close it. I complied. On XX/XX/XXXX Iwas told my loan had been escalated again this time because the value-tion report indicated I 'm paying a HOA fee of $ XXXX monthly, which I hadnot disclosed. Being that this was the XXXX time that I felt I was beingaccused of hiding information, I clarified that QL had not asked me aboutthis information, and that I had provided said information to the appraiserwho came to my house. Another GFE package was issued withadditional changes. QL also requested that I prepared and signed a letterstating that I had not intention of selling my house in the near future. Thiswas based because my house had been on the market before. I haveno intention of selling that 's why I 'm refinancing. I said to QL I needed tofind out the legal implications of putting something like that in writing. 
Around XX/XX/XXXX QL requested that I pay XXXX loans, XXXX XXXX andmy car loan. I asked QL if I could combined loan payments differently tolower the debt to income ratio, which I acknowledged is high and I need to lower according to their estimates. I also acknowledged that I hadcalculated my debt to income ratio erroneously and that theirs ( theynever gave me the ratio ) may be more accurate. 
They said I had no other alternatives. I have combined other loan pay-ments, not just the car loan and XXXX XXXX, and have started topay them using my savings and I believe I do have alternatives. 
On XX/XX/XXXX, Ivisited the To Do List on their web site and noticed that they had backdated a request to submit financial statements and balance sheets of mybusiness. This was back dated to XX/XX/XXXX - I had copied the To Do Liston XX/XX/XXXX. Since part of my income is from self-employment ( soleproprietorship ) I explained to them that the regulations cited by themdid not apply to me and that I had complied by sending the XXXX XXXX XXXX The rest of my income is a lifetime pension from the XXXX Florida and XXXX, which is enough to pay for a loan. 
On XX/XX/XXXX I received an email from QL telling me to sign into their website because they could n't find a home loan to match my current needs.
Product: Debt collection

I received a letter from Convergent dated XX/XX/2021 from a creditor XXXX that I do not have nor have opened any account with. They have an amount owed of {$750.00} and wanting me to settle for {$370.00}. I will not settle nor pay from a company that have been scamming people out of trying to collect on debt that is not theirs. I tried calling the number on the letter but number listed is not to this company. The creditor has no account balance or account or debt owed to them by me nor did they refer over to a collection agency.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$130000.00} XXXX XXXXXXXX Balance Owed : {$130000.00} XXXX XXXXXXXX Balance Owed : {$130000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit agencies are showing way off differences. I was using XXXX XXXX to help with this issue. After cancelling my membership my credit score dropped tremendously without any changes. I gave. XXXX   cards cancelling me and lowering my available limit with no reason. Ive had inquiries removed and my score keeps going down. Something is not right and need to find out wgat is going on. Ive never been XXXX on a payment and my score keeps dropping
Product: Student loan

I take issue with the handling of my student loans since i graduated from college back in XXXX. I write to request that you urge the XXXX XXXX to modify the XXXX XXXX XXXX XXXX ( XXXX ) program such that periods of full-time public service combined with periods of in-school deferment would count toward XXXX, regardless of whether payments were made during those periods. 

Please consider the grounds upon which I issue this request : I have worked for public institutions in higher education since XX/XX/XXXX. When I began my employment at a university I called FedLoan Servicing regarding beginning my payments and was told that since I was a student it would be pointless to begin paying my loans since it would not count toward forgiveness. During this time I was only making around XXXX XXXXXXXX annually and would have qualified for XXXX XXXX monthly payment. Since that time I have consistently worked and gone to school full-time and have been told over the years that it would be pointless to go into repayment since I was a student. At XXXX point I was informed that since I so many loans if I began making payments some of the loans would not be eligible for repayment so I needed to wait until my degree was confirmed to begun payments on them so that they would have the same payment counts. Upon graduating in XXXX my payments began and my count began.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX, XXXX, XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX Collections : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX  XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recieved an alert for a collection I have no knowledge of or what it is in regards to by PARSON BISHOP SERVICES has flagged your account as Collections on XX/XX/2021Was never informed on what or with who this is concerning.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a hard inquiry was submitted to XXXX from XXXX XXXX XXXX I did not make this request and would like for it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Problem is with all 3 Credit Bureaus. XXXX, XXXX and Transunion. Its Very Simple. When I make payments especially large payments, It does not reflect on Credit Utilization percentage. Say for example, I make a XXXX XXXX  payment ( I made XXXX XXXX XXXX payments in the last 2 years ) That Payment does not reflect on my Percentage Utilization. Or If I get a substantial increase in a credit limit with out charging on it, Lastly, On 2 or 3 separate occasions. I opened new Charge cards and with small charges on them also did not reflect on Credit Utilization. 

This Matter is hurting my credit score by al least 30-50 points. Causing me to pay much higher rates and denying me other credit cards. Lastly, Its Hurting me on Potential employment and future Mortgage loans Also One issue related to Credit reporting, is that I have had very negative report for more than 5 yrs. ( XXXX XXXX never sent a Statement to the right address for 4 long years ) even when I gave them my XXXX which has been my Mail address for 44 yrs. Under Banking law, I am Not obligated to continue payment if I don't get a statement.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY AZ XXXX CHILD SUPPORT Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested debt validation proof more than 90 days ago. XXXX  was the only CRA who deleted the unverified and inaccurate account. XXXX  and XXXX  continue to report the unverified debt.
Product: Credit reporting or other personal consumer reports

This credit bureau is not conducting proper investigations requested by me the consumer. Many of the negative accounts are being reported wrong and need to be deleted immediately because of this company fraudulent methods of investigations.
Product: Debt collection

I canceled dish because I moved after 6byears with them. They had incorrect contact info. I never received collection notice and after contacting dish they agreed to payment for deletion. Please remove asap
Product: Debt collection

I have an auto loan with Ally Financial Auto. I was unemployed for six months and fell behind on payments. Despite making partial payments in any amount I could, they have been and continue to harass me, my wife, extended family members, and my employer with hourly calls and voicemails that are overload our phones voicemails. Additionally, despite making partial payments, they recently locked my account preventing me from making direct payments to them and forcing me to use wire transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XXXX months ago, I sent a letter to Discover Financial Services via the U.S. Postal Service at the address provided on my XXXX credit report ( i.e., XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to report two unauthorized inquires on my credit report ( XX/XX/2022 and XX/XX/2022 ). 

Approximately 2-3 weeks later, the letter was returned to me by the U.S. Postal Service as " Undeliverable ... Addressee not at address. '' I then phoned Discover Financial Services and was told that the inquires would be removed. The inquiries have not yet been removed.
Product: Checking or savings account

My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OK XXXX. I have updated my address with BMO Harris Bank around XX/XX/XXXX. 
BMO Harris Bank XXXX XXXX. XXXX XXXX XXXX XXXX, Illinois XXXX Phone XXXX XXXX XXXX XXXX Initially they updated it to : XXXX XXXX XXXX XXXX XXXX  OK XXXX Then they updated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX. This time the XXXX XXXX is missing. 

I am not receiving my monthly statements since XX/XX/XXXX. I also did not receive my 1099 for XXXX. 
I called so many times and spoke with XXXX, XXXX and XXXX but the problem is not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX XXXX ON XX/XX/2022 remove this please and this was placed on the Experian.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened a collection that was fraudulently account on my credit file and i would like for it to be removed from my file as soon as possible because its affecting my credit file he hindering me from pursuing my business.
Product: Debt collection

I was unaware that a {$7000.00} collection had been filed against me at XXXX, XXXX, and XXXX by Fair Collections & Outsourcing ( FCO ). I have never been contacted by this company by phone or mail or any other means. I have not received a " validation notice '' so I was never given thirty days to dispute the collection before it was reported. In fact, I had no idea the collection existed until I was unfairly denied housing, due specifically to the size and recent filing date of the collection, which was related to apartment rental. The collection was filed by FCO in XX/XX/year>, but I didn't find out about it until XXXX, XXXX. If FCO had followed the rules, I would've received a validation notice and had the opportunity to dispute the collection before having my application turned down, with only three days left before my moving date. This collection must be deleted from all three credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Credit Inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally dispute multiple unauthorized credit inquiries on my credit report due to identity theft. It has come to my attention that my personal information has been misused, resulting in inquiries that I did not authorize. 

The following inquiries are disputed and should be investigated : XX/XX/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 These inquiries are damaging my credit profile and are the result of fraudulent activity. Under the Fair Credit Reporting Act, I am entitled to dispute this information and demand an immediate investigation. 

I expect a prompt response confirming the removal of these unauthorized inquiries and detailing the results of your investigation. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX XXXX