23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint regarding the handling of my credit report by XXXX, XXXX, and Experian. Despite multiple attempts to resolve inaccuracies on my credit report, the reporting agency has failed to address my concerns adequately, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Violation of FCRA 15 U.S.C. 1681i : My letters, which were written using accessible software available to everyone, have been disregarded. If the agency chooses not to process or address these letters, they are violating the law. The assumption that assistance from a third party may be available does not justify delaying the processing of consumer letters. No Power of Attorney is required to address my concerns.

Failure to Dispute Inaccurate Information : According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any incorrect information on my credit report. The allegations of delinquency and derogatory information against me are entirely false. These claims fail to comply with basic reporting standards and do not meet federal or state requirements for reporting. 

Request for Permissible Purpose Evidence : I demand proof of a permissible purpose for the inquiry or account within my report. The lack of such proof indicates that the agency has not fulfilled its responsibilities adequately. 

Impact of XXXX XXXX XXXX : My information was impacted by the XXXX data breach, leading to multiple fraudulent items appearing on my credit report. I did not authorize the sharing of my non-public information, and the reporting of this information is not fair and equitable as per 15 U.S.C. 1681 Section 602A.

Specific Violations Include : 15 U.S.C. 1681 Section 602A : Right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : Consumer reporting agency can not furnish an account without written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse items of information older than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibition of furnishing inaccurate information knowingly or with reasonable cause to believe the information is inaccurate.

I am granting a 30-day period from the date of delivery of this letter to rectify the situation. I request tangible evidence of the actions taken and an updated copy of my credit report. If the allegations are indeed false, I expect them to be promptly removed from my credit report. 

Please see the attached letter for the details of my dispute. Thank you for your prompt attention to this matter.
Product: Mortgage

When the pandemic started SLS put me in forbearance without my permission, only they took me off of my autopay a month before they put me in forbearance causing me to be late on a payment. I got a notice in the mail about being late for a payment, so I called and there was a voice recording that said " if you got a late notice ignore it - it is standard procedure. '' So, I ignore it. I didn't want the forbearance, they wouldn't take me out of forbearance so I just lived with the fact that I would be a few months behind on paying my mortgage because the customer service people genuinely have no clue what to do. They have no idea what's going on ( high turnover rate, maybe? ) Flash forward and they are reporting late on my credit. I call and try to explain that THEY took me off of my autopay and that this is THEIR fault. The woman I talked to was unkind, unhelpful, and ended up pushing me into a repayment plan. This is my first home, and I was scared to be late on a payment ( I am not late on ANY bills! ) so I agree to the repayment plan. I believe she entered my information in incorrectly because for months nothing was coming out and they were reporting to my credit the ENTIRE TIME. 

I called and got a male who was literally laughing at me and acting like I was overreacting about the fact that I wasn't able to pay my mortgage. Then my husband calls and gets a nice person ( who has no idea whats going on ) and they set up yet another repayment plan. That worked until the last few months of the year. So I call in XXXX because the XXXX payment didn't come out and decide to spend my savings paying the rest of this godforsaken repayment plan off. The customer service person was nice but uninformed and made things more confusing than they originally were. She told me the money had to be applied directly to repayment plan and not my mortgage or else I would continue to show as late and STILL put it in incorrectly. So now I have a XXXX credit on my account and still am showing late on my repayment plan. 

They are so difficult to deal with, they have ruined my credit, they are incompetent and they don't deserve to be in business anymore. Go look at their XXXX reviews. They are an awful company. It is insane that you have to refinance to change who handles your mortgage, especially when a company just does WHATEVER they want with your loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my results from the investigation regarding the Nationstar/Mr. Cooper Account and I am still being reported inaccurately. The account is not past due, should say current, never been late and it's the showing the wrong balance. I am trying to get a loan to pay for emergency medical bills, but I can't due to this very delinquent account. Please correct my report as I have already waited over the 30 days and it was not done correctly. This inaccurate account was not corrected in the allotted 30 days, please delete this account from my credit report.
Product: Debt collection

Revenue Recovery is negatively reporting on my credit report for a medical collection that does not belong to me. The debt belongs to a XXXX XXXX. I filed a police report with XXXX XXXX Police Report for Identity Theft Report # XXXX and Report # XXXX with Investigator XXXX. I have been a resident of XXXX TN Resident since 2008. I was a victim of identity theft and filed a police report due to fraud occurring in XXXX since 2008. I do n't owe this debt I would like it removed from my credit report immediately.
Product: Debt collection

Frontline Asset Strategies has contacted me multiple times, including XX/XX/XXXX and XX/XX/XXXX, regarding an alleged debt. I have requested three times in writing that Frontline provide the account number name and address of the creditor and verification that they repre4sent the alleged creditor and are authorized to communicate with me.

Frontline has refused to provide the requested information. In addition, the company 's website is fake.
Product: Checking or savings account

On XX/XX/23 I discovered that there were two fraudulent checks written against our account, totaling {$15000.00} as well as three ATM transactions totaling {$2400.00}. On XX/XX/23 I went to my local branch of Truist bank and was told to file a complaint with the fraud dept, which I did the same day. I was told by the fraud dept to file a police report which was also done, and at that time my husband and I suspected that it could be our daughter. 
We were asked whether we were prepared to file charges and appear in court and we signed to that effect. 

On XX/XX/23. I discovered more ATM and check transactions not created my myself or my husband, and those were reported to the fraud department of truist. The personel stated that they would add these to the same case XXXX XXXXXXXX The sum stolen from us totaled Approx {$69000.00} over a period of 14months. The bank has declined to reimbursed any of it, not even the fraudulent checks. citing that we did not safeguard our banking information, and failed to file charges, which is incorrect. I have sheriff dept report that we have filed charges.
Product: Checking or savings account

On XX/XX/ an unauthorized transaction of {$120.00} was posted on my bank account. The merchant name is XXXX XXXX XXXX XXXX XXXX' and the Merchant address is XXXX XXXX XXXX the category is " Other Insurance/Financial ''. That same day I did a purchase of {$7.00} in XXXX XXXX XXXX, XXXX. The merchant name of the authorized {$7.00} transaction is XXXX, merchant address is XXXX XXXX XXXX and the Category is " Other Insurance/Financial ''. This leads me to believe the card information from the {$7.00} transaction was immediately used for the unauthorized {$120.00} transaction. I opened a dispute with my bank, Wells Fargo, but they denied the dispute and won't allow me to reopen it. 

I would try to reach out to the merchant, but the merchant shown in the unauthorized transaction is just a company that designs and sells card terminals, not an actual merchant of services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this inquiry from XXXX XXXX INQUIRY DATE : XX/XX/21 15 U.S.C 1681 Section 602 A : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not finish a account w/o my written instructions.
Product: Debt collection

LVNV Funding LLC I never did any business with this company, I noticed that they are listed on my credit report that I owed them money which is {$340.00}.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I was a US Bank customer for more than 20years. When I went into the XXXX XXXX bank branch to close the account, I was told by XXXX the manager that I had a {$5000.00} loan linked to my account. I had never taken out a loan or credit of any type or amount from US Bank so I immediately told him it was fraudulent. XXXX became visibly angry and threatened me saying, " If you don't pay I will personally ruin your credit '', and started yelling at me to " get out ''. This was the most horrible and shocking treatment after being a customer for so long. I went to another branch and asked to see the the signed loan contract. The manager I spoke with admitted that it did not exist, and the loan was created by a US Bank employee without my knowledge, consent, or signature.. They had been deducting charges and charging me interest and late fees on a loan that was fraudulent. The manager told me she knew who the employee was who created the fraudulent loan. This is illegal and should be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX U.S.C 1681 Section 604 A states I have a 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 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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Prepaid card

On XX/XX/XXXX, I received a refund letter on a debit card from Chrysler Capital with an amount {$400.00} and I would like to request an exchange for a check. I will appreciate it. Thank you. 
My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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 XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX : {$28000.00} XXXX, XXXX & XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$2600.00XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX has XXXX XXXX XXXX on my credit file and I don't owe or had any loan or debt with this company and have nor ever received any letter or nothing from this XXXX XXXX
Product: Credit card or prepaid card

Received a notification from Chase that my rate was going up 5 % from 11.24 % to 16.24 % for no reason outside of increasing their profit margin. i have an 800+ credit score and pay off my balance monthly with all my credit cards. I 've had this card for over 20 years and never a late payment. After speaking with a supervisor, I was told I could either cancel the card or accept the terms. How are those choices for me? I accept a 50 % increase in my rate or lose my credit history which would negatively affect my credit score. I want my original terms just in case I need to carry a balance in the future. I felt like there was a XXXX to my head to make a choice that only benefits Chase. Absolutely horrible.
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$15000.00} **Inquiries** I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a call from this comppany stating that I owe them money, they did not provided any particular proof, they simply asked how i want to settle. I terminated the call and now I am getting this collection on my credit report. I am not sure who they are and what they want from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/XXXX via and requested that the inquire from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, along with XXXX XXXX dated XX/XX/XXXX be removed from my credit report. I was informed by Transunion that I needed to contact the companies directly. I informed them that these inquires took place when the freeze was removed from my account, and it was no made by me applying for XXXX XXXX card, I already have one with a XXXX limited and was not looking to refinance my home, my current interest rate with XXXX XXXX is 3 % and I did not authorize either company to pull my credit report for any reason. But, I was still told to contact the companies. Due to the pandemic I had no luck with connecting with the mortgage company XXXX XXXX that could help me during this time. With XXXX card, I spoke with someone and the lady said she would send the information to the fraud/investigation department, because I only became aware of the inquire in XXXX due to the denial letter I received in the mail, I never received anything regarding the XXXX inquire. I received a letter from them stating the inquire would be removed and they would contact XXXX, but it was only for the XXXX inquire, I also received a letter stating they would remove the XXXX inquire and they would only contact XXXX. Please review the attached letter for XXXX and XXXX inquire.
Product: Credit card or prepaid card

I am writing to you regarding a concern with my account. While attempting a purchase at XXXX for {$630.00} on XXXX and some odd cents, I was informed that the charges were not accepted. The customer service representative tried three more times. Said person informed me to contact the card provider. To say that I was embarrassed is an understatement. I called and I talked with a Capital One Customer Service Representative whom had me verify all information on the account, he then sent me a code to my cellphone at XXXX, code XXXX, and then stated that the issue was resolved. Prior to this I have a history of making large purchases, most recently Menards for {$2700.00}, as well as other large purchases to a Law Firm. I recently on XXXX made a payment of {$3000.00} to pay off the card, and there is a zero balance. That said, this Customer Service Representative stated that the issue was resolved and to attempt the purchase again. I did so, and it was rejected again, I was informed again to contact the card issuer again as the purchase was declined. The calls Capital One started around XXXX XXXX. When I called back, a Capital One employee demanded that I send a copy of my drivers license and or state id via a secure link that he would email to me. I refused, given the amount of identity theft that is prevalent in the United States, I was not comfortable with this at all. I stated that I did not need to do that open the account and I would not do so now. I offered to verify any and all other information on the account, charges, recent payments, any demographic information, again he demanded that I comply. The call was then disconnected. This request seemed categorically out of the ordinary as if there was not a state issued identification card used to open the account, then this verification would be null and void ; there is nothing to compare it to. 

My account has a zero balance, it is currently locked, and will not accept any charges. This is ludicrous, and not acceptable. After verifying all demographic information, social security information, and a one time security code sent to my cellphone, it is still locked. Demanding that I send a picture of my state issued id, is not acceptable.
Product: Debt collection

They claimed I did not return their devices which I then called their wear house and they confirmed with me on the phone they had them they then transferred me back to the billing Dept and they then claimed I owed a balance due but my billing was on automatic withdrawal and we left the company to join another with no cancellation fees as our contract was fulfilled. It does not make sense on how I would owe a fee if my contract was fulfilled and I also do not have the devices as they found them in their wear house
Product: Mortgage

Freedom Mortgage Company assumed servicing our mortgage on or about XX/XX/XXXX. Our condominium on XXXX XXXX, Florida was destroyed by XXXX XXXX on XX/XX/XXXX. As one of the many consequences of this disaster XXXX XXXX Florida reduced our property taxes. As a consequence, the amount I paid to the escrow account should have been reduced. I spoke with a Freedom Mortgage person on XX/XX/XXXX and informed him that my taxes would be more than halved and asked for the balance of the escrow property tax to be returned to me and to decreased my property tax escrow. I was told I needed to wait until the taxes were paid out of escrow. I uploaded the XXXX XXXX Notice of Proposed taxes to Freedom Mortgage on XX/XX/XXXX. When the final XXXX XXXX tax determination issued I contacted Freedom to get a refund of my money which I was told would happen in early XX/XX/XXXX. This was untrue as Freedom did not pay my XXXX XXXX taxes until late XXXX. When I called in XXXX, I was told I would not get a refund of {$11000.00} for one year unless we closed our escrow account. On XX/XX/XXXX I sent a certified return receipt letter to Freedom Mortgage closing our escrow account because of Freedom 's manifest incompetence. ( attached ) I informed Freedom I would make no more escrow payment. In XXXX, I paid principal and interest of {$1800.00}. Freedom falsely asserted my account was past due because they were still charging me for the escrow amounts. In XXXX, Freedom misapplied my {$1800.00} principal and interest to what they wrongly said was a past due past. But they took {$1300.00} of my money and applied it to an escrow account we no longer had. The remaining {$450.00} is held as unapplied funds. Freedom refuses to properly applied my XXXX payment. Freedom continues to lie and say our account is past due. In an act of petty theft, Freedom is charging us late fees. ( attached ) I have spend hours on the phone with Customer Service. I have spoken to supervisors and gone through numbers with them. In XXXX a supervisor acknowledged the error and said she would sort it out. She never did. In early XXXX I spoke with a supervisor ID XXXX who promised a call back. Of course, Freedom never called me back. Instead Freedom sends out letters in which Freedom lies and says I have two past due payments and they they can not contact me. I am a XXXX XXXX XXXX XXXX and this is the most incompetent, dishonest mortgage company I have ever encountered. They employees have lied to me in every single communication they have had with me. They behave as a criminal organization. Their practices should be investigated.