23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Thou reporting only allows 1 item, processing payment problems, the bigger LT/ $ AMT issue is that my wife and I have taken a ~300 point FICO decrease hit and foreclosure action on our credit reports which effects job opportunities, any refi/cash out ability/cost for house improvement and other areas of life financially for many/possibly hundreds of thousands of dollars in additional costs, and attempt to push us further into poverty for years to come ; all because of vindictive & poor paperwork/processing by Freedom Mortgage and its employees to anyone questioning their service problems. 

Loan servicer FREEDOM MORTGAGE took over our Refinanced 15 YR LOAN ( AND outsourced to LOANCARE for part of that duration ). Whenever they changed the payment location, especially to NE ( Bad winter areas ) we seemed to have more problems with them processing payments promptly. So, a few years ago after I had been paying their Loancare-L # we had payment changed to CA address first ~upto 12yrs, then they transferred back to FREEDOM-L # ~ last 2 yrs in XXXX OH. 

( The company seems to have a different location for all the variables and computer systems that don't talk between these different employee groups, hence many paper/processing errors, delays, and invalid fee 's to customers ). Over 6 months before the last payment I regularly looked on web portal ( problematic ), contacted Customer Service by phone 800 #, and Emailed a VP for that division asking for a removal of the bogus/improper fee 's. I'd asked monthly to be removed to be fixed ASAP and clearly layout if anything different had to happen for last payments. I also asked for them to prove/audit how mail from CA to OH was processed and proof of postmarked ( late payments ) the charge vs. as thou the mail was taking 10+ days to go across country?! They said no way to track..no proof? Instead of fixing things they appear to Retaliate and create more late/extra fee 's. Then last several months the physical statement $ AMTS didn't match last stmts, the online balance, or what the 800 # CustSvrRep read me over the phone. Then what should have been my last payment in XX/XX/XXXX, they cashed but did not apply to the loan, and then filed the foreclosure action against me/us to extort the add'l ~ {$1000.00} in fee 's ( special bank draft to another location ). After cashing that they still didn't acknowledge and reported foreclosure action to all the credit agency 's and in XX/XX/XXXX ' I finally received Deed information from county ( which was filed w/wifes name, should have only been under my name since I paid all loan, Ins, and taxes starting months prior to marriage ). Also, several times during the 15 years they lost our payments and required us to write a second check, they'd cash, only later to have original one cashed. As well they didn't have a free way to electronically pay locally or online, nor would they provide coupons ahead of times, so sometimes I had to copy prior bill-address to mail check by the beginning of month since statements hadn't arrived early enough. When I was unemployed they wouldn't qualify us for CA Hamp/Hemp-UI help advertised all over US.
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the account # is inaccurate, open date is inaccurate, high credit is inaccurate, the date last active is inaccurate, and date last reported is inaccurate and the payment history reported inaccurate. A total of 30 violations with 24 month payment history inaccurate. This is grounds for removal and my rights violated under 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. 
Also the credit bureaus took longer than 30 days to investigate and took longer than 60 days to reinvestigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I cancelled my cable and internet with XXXX. 

On XX/XX/XXXX I returned all of my equipment and received a confirmation from XXXX that it had been received along with serial numbers In early XX/XX/XXXX I began to receive calls from XXXX about a bill of {$160.00}. After looking into the matter with XXXX they told me it was a service charge for XX/XX/XXXX. After submitting proof I had discontinued services they said that is was for equipment. I again submitted proof and they said over the phone that this matter was resolved. 

In Mid XX/XX/XXXX I began to get calls from a collections agency. After checking with XXXX they said they are no longer able to remove the charges since they were in collections. 

After filing a dispute with the collections agency with proof, the derogatory mark was removed. 

On XX/XX/XXXX the same derogatory mark reappeared on my credit score. I know it was the same because of the amount and the fact that I have never had another mark. 

After filing a dispute with the collections agency, diversified consultants inc, I was not able to get a response.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
I submitted a letter to the Experian and XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into several accounts listed on my credit report from a company called XXXX XXXX that I believe is a result of identity theft. I have recently reviewed my credit report and noticed multiple accounts from this company i do not recognize, and I have not authorized any of these accounts.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear Sir/Madam, I am writing to formally dispute and request the correction of inaccurate information on my credit report maintained by your agency. The following late payment entries are being reported inaccurately : - XX/XX/XXXX : 30 days late payment - XX/XX/XXXX : 60 days late payment - XX/XX/XXXX : 60 days late payment - XX/XX/XXXX : 60 days late payment These entries are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection statutes, including : - 15 U.S. Code 1681i ( 5 ) - Removal of Inaccurate/invalidated Credit Information - 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy - 15 U.S. Code 1666b - Billing Error Resolution under the Truth in Lending Act Under the FCRA, I have the right to dispute inaccurate information and request that it be promptly corrected or removed from my credit report. The entries listed above are not reflective of my payment history with the respective creditor ( s ) and are therefore misleading to potential lenders and detrimental to my creditworthiness.

Enclosed with this letter are copies of relevant documents supporting my claim, I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by law. 

Please provide me with a written response confirming the receipt of this dispute letter and detailing the actions you will take to resolve this matter. If necessary, I am prepared to seek legal counsel to ensure my rights under the FCRA and other applicable laws are upheld. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

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

On XX/XX/21, I requested my credit report and complete credit file from EXPERIAN. I was notified that they would be mailing out both the report as well as the file, but I've only received the report. Experian has refused to send me upon request my complete credit file.
Product: Credit card

I am disputing the collection account with CBNA account number XXXX, dated XX/XX/year>, with a balance of {$0.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CBNA provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file. 

After you finish my request, send me an updated report Thank you, XXXX XXXX
Product: Checking or savings account

Capital One 's current TV advertisement is deceptive in that the terms and conditions for opening an account ( i.e. the fine print ) are not legible in that they are written. In white font on light ( gray ) background. This is obviously a UDAAP violation with clear intent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute several hard inquiries listed on my credit report. After reviewing my credit report, I have identified the following inquiries that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 were not authorized by me, and I have no recollection of applying for credit or services with the aforementioned creditors/companies on the specified dates. As a result, I am requesting that these inquiries be investigated and removed from my credit report as soon as possible.

I have available to substantiate my claim. This includes any records of communication with the creditors/companies listed above, confirming that I did not authorize the inquiries.

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right and kindly request that you conduct a thorough investigation into these disputed inquiries.

Please provide me with written notification of the results of your investigation and any actions taken to resolve this matter. Additionally, I request that you update my credit report accordingly and send me a revised copy once the disputed inquiries have been removed.

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

Medical debt has exceeded the statue of limitations time period in California which is seven years. I have disputed the cases which is 4 on my credit report from XXXX and XXXX. XXXX has deleted and removed accounts but XXXX has not and will not remove the files. After several attempts to dispute them. Data central continues to report on mine and my husbands credit report.
Product: Credit card

XX/XX/XXXX i was notified that an online XXXX transaction was charged to my stolen credit card, i immediately called them to report the fraud and was told the amount would be removed and not post to my account, i made a police report regarding the stolen credit card and notified ebays fraud dept regarding the incident and was told it was being investigated. A few days later the amount of XXXX was posted to my account and am being forced to pay until investigation is completed, which is unfair and should be removed and reimbursed as i was forced to pay it so it wont affect my credit. Contacted citi over 5 times and was told it could not be credited until investigation was completed now i am down XXXX that i was forced to pay due to lack of ability on their end to postpone the fraudulent charge
Product: Credit card or prepaid card

My complaint is against First Data the card processor. I have a merchant account with First Data for probably 20 years. Haven't had issues all this time except in the last two years. I had two charge backs and they were handled very poorly. The last one was in XX/XX/2019. A client disputed a charge but then realized they made a mistake. When they called their bank which was XXXX XXXX, the agent said they cant reverse the amount they credited their account. First data requested evidence that the charges were correct and I faxed specifically what they requested. I waited and called to see if they received the fax and they confirmed they received the three pages I sent to them. They said it will take seven to ten business days to make a decision. I called after 10 days and the outsourced agent was very aggressive informing me that I havent provided the information and the case was closed. I tried to reason with him but he yelled at me and hung up. I was trembling for at least 10 minutes from the humiliation and the injustice I suffered. First Data did not handle my dispute fairly. The client provided a credit card to charge the amount they received and we got back the charge for the service we provided. The procedure that First data followed and the agent behavior are not acceptable. This time the client was honest and acknowledged she made a mistake but what is going to happen if we had more charge backs? Are we going to hope for more honest people or for the company we have been with all this time to treat disputes justly so we get paid for the services we provide?

I appreciate your attention to this complaint. 

regards, XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2018 I received two e-mails letting me know I had purchased 3 e-Gift cards. I know I did not do this so I right away cancelled my credit card. Since it happened late at night I waited until the next day to report the fraud to my account at AARP Chase card member services. The charges for the 3 e-Gift cards were from the company named XXXX XXXX   for the amount of : {$100.00} and {$200.00} also {$200.00}. These e-Gift cards were sent to a XXXX account : XXXX which is not my XXXX account so I never received them. The Fraud department at AARP Chase card member service investigated and said the purchases were valid. I called them again to appeal their findings to let them know I did not received them and they were sent to a different XXXX  account. They sent me letter saying the transactions are valid. I can't believe this is happening when I showed them the e-mails sent to me were they have the XXXX  account they sent the e-gift cards too and that it was not to me.
Product: Credit reporting

Transunion allowed XXXX to report an account that was removed from my report and it was reported by XXXX XXXX for same amount for sprint. This account is not mine.
Product: Debt collection

I received a call from XXXX. The woman on the phone said she was with ARS National and she had a legal issue in her office that needed my immediate attention. I refused to confirm who I was, because I had no idea who it was actually calling me. When I refused she threatened " That's fine. I'll take it up with your employer '' and hung up.
Product: Student loan

I filed a complaint last year regarding XXXX XXXX, they told me because my loan was not in default they could not do anything further. I have no interest only payments left and have been paying my loan every month however the payments are very high. My loan is now being serviced by Navient and I can not get through to someone, I would like to settle or negotiate my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect, outdated, obsolete and erroneous negative information on my credit reports since XX/XX/2021 from TransUnion, and they continue to update the information and report it as fraud. I requested that they delete and remove and inaccurate information from my credit reports, but they keep reporting the information as accurate and verified AFTER the agency reporting the information corrected the incorrect information being disputed. According to the Fair Credit Reporting Act, the credit bureaus are supposed to remove any inaccurate information and report it 100 % correct. I did factual disputes and found many accounts reporting negative information on my reports causing me to have a lower credit score resulting in denial for credit and higher interest rates. I believe I am being unjustly discriminated against because of this E OSCAR verifying system. I would like for these negative accounts that I have challenged and disputed, and continue to dispute and challenge, over the last several months be removed from my credit report. To put it bluntly, it is like XXXX, TransUnion and XXXX  are purposely allowing this negative information to remain on my report. It is almost useless to use the disputing process as prescribed by law if it will not be followed by the credit bureaus.
Product: Debt collection

This account was opened fraudulently by I never lived at address where account was opened
Product: Money transfer, virtual currency, or money service

I called the FDIC concerning an issue with cashapp on or around XX/XX/XXXX when I got an alert from cashapp that XXXX had tried to be added on my husband 's ( XXXX XXXX ) cashapp which we didn't do because we knew we didn't have it to load and if funds aren't available cashapp wouldn't load and this one put our account in the negative... So, the next day the XXXX was credited to our account and we thought that was the end of it. 

On XX/XX/XXXX our cashapp 's have been closed and we had bought into XXXX in XXXX and now cashapp is saying we have no access to our XXXX XXXX?! We didn't do anything wrong here and we are getting robbed by the companies that we thought were safe to do business with..? We would like this issue resolved ASAP and to start enforcing the regulations and laws against companies who think they can do anything they want with their customers money..!
Product: Debt collection

Verification/Validation of Debt was not provided by XXXX XXXX XXXX XXXX. Accounts XXXX and XXXX do not belong to me. Violation of FCRA 605. Identity theft, unauthorized obtainment of my personal information without my consent.
Product: Debt collection

FairXXXX- $ XXXX.is the company that is stating that I owe this money and they were paid, this debt has been removed from XXXX and XXXX and XXXX need to follow site XXXX They have received numerous of letters and documents, in regard to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a debt that is not mine. This is for a lease that I had that the sellers broke by deciding to sell the place. But now they are coming after me for the rest of the lease that THEY broke. This debt should not be mine and I should not owe this, nor should it be on my credit.
Product: Credit reporting or other personal consumer reports

I have contacted this company XX/XX/year> and the item is still on my credit report. I did not get a response from them. I asked for the debt to be validated by their company within 30 days and I have not received the letter. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Deht nor therefore any such debt in fact exists.