23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying since XX/XX/2022 to have XXXX, XXXX and XXXX reflect my mortgage term correctly at " 259 Months '' instead of incorrectly at " 264 Months ''. Each credit agency advised that they reflect what is reported by Freedom Mortgage, I contacted Freedom Mortgage and they issued a letter dated XXXX XX/XX/2022 that states they are reporting it correctly at " 259 Months ''. After disputing with XXXX, XXXX and XXXX while providing Freedom Mortgage 's letter of XXXX XX/XX/2022, it became clear that Freedom Mortgage was NOT reporting " 259 Months '' and was actually reporting " 264 Months ''. For XXXX, Freedom Mortgage incorrectly changed reporting from " 264 Months '' to " 22 Years. '' In Freedom Mortgage letter dated XXXX XX/XX/2022, they now contradict their XXXX XX/XX/2022 letter, still claiming to report accurately, but now reporting at " 22 Years ''. Freedom Mortgage states that the XXXX reporting guidelines dictate that mortgage terms should be in yearly values. 

In my letter of XXXX XX/XX/2022, I set forth all the rationale why my term should be reported correctly and accurate at " 259 Months '' and advised that if Freedom Mortgage can not correct this I will file this matter with the appropriate jurisdiction. 

Today, XXXX XX/XX/2022, I received a call from XXXX XXXX, Freedom Mortgage Escalation Specialist, who advised that Freedom Mortgage will not make any further changes and they stand by their XXXX XX/XX/2022 Freedom Mortgage Letter position.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX filed a False Proof of Claim for a corporate debt that was discharged in a XX/XX/XXXXChapter XXXX corporate bankruptcy for the amount of {$840.00} which included additional interest since the debt was fully discharged in XX/XX/XXXX. XXXX was the very same law firm that filed in the case NO. XXXX. I have sent one email requesting a withdraw from my personal Chapter XXXX filing case NO. XXXX. I also mailed a certified letter that included a return receipt signed for on XX/XX/XXXX. XXXX refuses to contact me or withdraw the unlawful proof of claim that was never my personal responsibility. I am requesting that your agency contact XXXX XXXX XXXX, XXXX and take the proper actions to stop their illegal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I disputed inaccurate incorrect erroneous information damaging my credit file with Equifax via its Online dispute system. I submitted documentation and filed a dispute regarding incorrect inaccurate name and address and phone numbers and spousal information. Equifax received my dispute and stated it would contact me with the results. 

On XX/XX/2019 Equifax contacted me via email and informed me the investigation into my dispute had been resolved and the information was available to me via an online link provided to me through the email notification sent to me. I attempted to access this link on a number of occasions between XX/XX/2019 and XX/XX/2019. 

Finally on XX/XX/2019 I contacted Equifax and spoke with a representative named XXXX who told me the link was available and if I could not access it, then my only options would be to discuss it with her by phone or request my credit report by mail. 

On XX/XX/XXXX, I sent a request to Equifax via Priority Mail requesting my the results of my credit dispute which they have hampered in providing me through broken and/or damaged email links which were never active.
Product: Credit reporting, credit repair services, or other personal consumer reports

The item on my credit report, XXXX XXXX XXXX, which is a revolving credit account that has been closed, is inaccurate because the current balance of {$300.00} should now be updated to {$0.00} balance, due to a settlement agreement ( please see attached copy of settlement agreement and terms ) which I have complied with all stated requirements in agreement. The settlement agreement states that I am to pay {$250.00} on or before XX/XX/2020, to collection agency XXXX XXXX XXXX , XXXX . who represents XXXX XXXX XXXX for the debt owed. Additionally, I was to sign and return original settlement agreement to collection agency XXXX XXXX XXXX , XXXX . 
I made payment for {$250.00} on XX/XX/2020, ( please see attached proof of payment with date ) and have signed and returned original settlement agreement to address listed on paid postage envelope provided by collection agency XXXX XXXX XXXX , XXXX . that represents XXXX XXXX XXXX ( please see attached settlement agreement copy that I have provided for record ). 

I have been unsuccessful with disputing and having the balance updated to reflect {$0.00} with all three credit bureaus ; XXXX, Experian and XXXX. I have also reached out to XXXX  over several months and they still have not corrected what has been reported to credit bureaus. They show my payment I made but have not complied with the settlement agreement with collection agency representing them. I have included the settlement agreement and letters sent to credit bureaus, this after several attempts to dispute remaining balance on my credit reports and reaching out to XXXX  over several months.
Product: Debt collection

XXXX financial was leaked my information resulting in a fraudulent claim for money owed. When tried to verify, the debt couldn't be verified. I called again asking for more information and I was not given what asked for. This company does not have a valid debt to claim.
Product: Debt collection

Collection Agency Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Account Number : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Ratchford Law Group, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2.Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim i owed. 
3.Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5.Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification To Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theftXXXX Account Number : Account XXXX {$90.00} past due as of XX/XX/2019. 

XXXX Account Number : XXXX {$170.00} past due as of XX/XX/2019. 


Chapter XXXX bankruptcy dismissed Reference Number XXXX Chapter XXXX bankruptcy dismissed Reference Number XXXX
Product: Credit reporting or other personal consumer reports

In going over my credit reports with the three credit bureaus I noticed that all three has my last name of XXXX. I have never had that last name nor do I know anyone with the last name of XXXX. This needs to be removed please. 

Second problem is I have been disputing XXXX XXXX with all three bureaus for XXXX years. My accounts XXXX business and XXXX personal were closed by an in house mistak at XXXX XXXX that has never been repaired properly I do have an attorney and a suit will be filed if they cant get it right this time around. Those are not my XXXX XXXX credit card numbers. I have never been sent them, activated them or used them. Yet they remain attached to my name. My three cards were paid off before the accounts were closed. In one of my disputes for XXXX XXXX removed it off of my credit report Now its back on under a collection agency 's name I would like to exercise my 609 rule and ask that if these accounts cant not be verified as mine that they be removed altogether for all negative credit reporting. I do not own these accounts I have never signed for any of the them. I have signed for my three which were closed. 

As my credit is being cleaned up you can see that XXXX found out that I paid long ago and they removed the account but my credit used to be great and then the second XXXX XXXX closed all three my credit report an XXXX went to XXXX overnight. This is not fair I need my credit cleaned because I have done nothing to deserve what XXXX XXXX is doing. 

There would be times when I had extra that I would make XXXX payments in XXXX day to my XXXX  XXXX cards or the next day I would pay again and they had already closed my XXXX accounts in XX/XX/year>XXXX XXXX
Product: Debt collection

The announced herself as representer from the legal office of XXXX XXXX calling from ( XXXX ) XXXX and that were had begun to prepare legal document to sue me in court regarding a {$500.00} debt with Mid Atlantic credit card. However the particular account she was referencing has been discharge by the company more than a year ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX has a report of delinquency in error. I have reached out to the company several times and they refuse to remove these reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that XXXX, XXXX and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from 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. These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NISSAN ACCEPTANCE CO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal dispute regarding inaccurate information on my credit report, as maintained by TransUnion. On XX/XX/XXXX, I initially contacted TransUnion to address the following incorrect information, but to date, I have not received any response. Below are the details of the inaccuracies and the required corrections : The following account was never late : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

The following account was never late : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5400.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$480.00} Please remove it from my credit report. 

The following account is not mine : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$940.00} Please remove it from my credit report. 

The following account is not mine : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$120.00} Original Creditor : XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} This account was opened fraudulently and I have contacted the company as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX All these inquiries are fraudulent and unauthorized
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 


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: Vehicle loan or lease

HAVE REACHED OUT TO THE DEALERSHIP ABOUT THIS ISSUE.I JUST FOUND OUT THAT I AM BEING CHARGED A PER DIEM RATE IN THE AMOUNT OF 9.22 % IN ADDITION TO THE 8.25 % XXXX. ALSO I ASKED FOR AN EARLY PAYOUT QUOTE. THE QUOTE WAS FOR THE TOTAL DUE AS IF IT WAS FOR THE FULL TERM. WHICH INCLUDES INTEREST RATE. I MADE AN EFFORT TO SPEAK WITH THEM TODAY AND THEY REFUSED TO SPEAK TO ME BECAUSE I AM ONE DAY LATE MAKING MY MONTHLY PAYMENT. A PAYOUT QUOTE SHOULD NOT BE THE SAME AMOUNT FOR 75 MONTHS IF I HAVE ONLY HAD THE CAR SINCE XX/XX/XXXX. 

THE PER DIEM CAME TO MY ATTENTION AGAIN ON YESTERDAY WHEN I WENT TO SEE IF I COULD TRADE IT IN FOR A XXXX TO GET A CHEAPER RATE. XXXX XXXX STATED THAT SOMEONE SCREWED ME OVER ON THE PREVIOUS DEAL AND THAT I AM OVER {$24000.00} IN NEGATIVE EQUITY IN THE XXXX XXXX BECAUSE OF THE PER DIEM ON TOP OF THE YEARLY 8.25 % INTEREST RATE. 

I AM PAYING OFF THE XXXX THAT I PREVIOUSLY OWNED AND THE DEFECTIVE XXXX XXXX. I WAS CLEARLY UNDER THE IMPRESSION THAT I WAS CARING OVER THE NEGATIVE EQUITY OF THE CAR. 

IF YOU LOOK AT THE CONTRACT THERE IS NO MENTION OF HAVING TO PAY A DAILY PER DEIM FEE IN THE AMOUNT OF {$9.00}. I WOULD HAVE NOT AGREED TO THESE TERMS. IT IS THE SELLERS LAWFUL DUTY TO PROVIDE ALL COST THAT IS TO BE PAID IN THE CONTRACT. THE CONTRACT THAT I HAVE IN HAND DOES NOT MENTION, LIST, OR STATE DETAILS OF A PER DIEM. 

IN ADDITION I WAS UNDER THE IMPRESSION THAT XXXX XXXX WAS PAYING OFF MY XXXX XXXX XXXX AND I WAS GOING TO BE UPGRADED TO A XXXX XXXX XXXX, IN XXXX OF XXXX. AFTER HAVING THE CAR LESS THAN TWO WEEKS THE PAINT STARTED TO FAIL. THE CAR WAS IN THE SHOP FOR 28 DAYS. AFTER RECEIVING THE CAR BACK THE PAINT WAS STILL WITH DEFECT, IN XXXX OF XXXX THE SUNROOF FAILED TO OPEN AND CLOSE PROPERLY. I TOOK THE CAR TO XXXX XXXX WHO GAVE ME A RENTAL CAR WHILE THE SUNROOF WAS BEING REPAIRED. XXXX THE SALES PERSON STATED, " THIS CAR IS GIVING YOU TOO MUCH PROBLEMS. WE ARE GOING TO GET YOU OUT OF IT. '' BY XX/XX/XXXX, I WAS IN A XXXX XXXX XXXX XXXX. I WAS HAPPY WITH THE CAR BUT WAS NOT AWARE THAT THE DEALERSHIP HAD CARRIED OVER NEGATIVE EQUITY FROM THE XXXX XXXX, I WAS UNDER THE IMPRESSION THAT I WOULD BE EXCHANGING THE CARS BECAUSE OF THE DEFECT IN THE PAINT AND SUNROOF.
Product: Debt collection

XX/XX/2022 - I have disputed this " debt '' in writing, and over the phone with XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX ( XXXX ). I have repeatedly asked him not to contact anyone other than myself, and he calls other family members leaving harassing voicemails on their phones. This is for a fraudulent payday loan company that I have never had any contact with, yet this person continues to harass me and my family.
Product: Debt collection

I was contacted by a male representative from Columbia Debt Recovery on XX/XX/23 regarding a debt he said from The XXXX XXXX  XXXX. I asked him if he could mail me validation documents. He stated they would be mailed out. Im filing this complaint because its been over 30 days and I have not received validation documents. Ive never resided at The XXXXXXXX XXXX XXXXXXXX. This debt is also being report to the credit reporting agencies and its unverified because I was never given any proof of this debt.
Product: Consumer Loan

I terminated the lease I had with Mazda Capital Services ( JP Morgan Chase Bank ) in XXXX XXXX due to a total loss. I followed all appropriate steps of notifying my auto insurance and Mazda Capital Services ( MCS ) and the claim was filed and funds transferred within a couple months. 
In XXXX I received a bill from MCS for $ XXXX. I called to inquire about the bill and MCS told me they showed no balance due and my account should be closed. Then they sent me a paid in full letter. All of this is documented through conversations with MCS and documents I uploaded to XXXX Auto Insurance. One month later I received another bill for the same amount. Again I called MCS who informed me there was zero balance, again told me they would close my account, and again I received a paid in full letter on XXXX XXXX, XXXX. 
In XXXX XXXX, I received another letter, this time from United Recovery Systems claiming I owed MCS / JP Morgan Chase Bank over {$900.00} and was delinquent in paying it. I called MCS, who only told me my account had been transferred to the collection agency and when I asked why I was forwarded to voicemail, to which I have not heard any response from. I then called URS myself to learn more. URS told me that this $ XXXX debt is completely unrelated to the {$700.00} previously communicated to me and that the only information they had about the charge was that it was an insurance deductible. I confirmed with XXXX and MCS that I have no outstanding payments for my insurance ( in fact XXXX also thought the claim was closed ). 
I did not get any notice of this $ XXXX debt from MCS or Chase Bank before it was considered a " long outstanding '' debt and I have been very communicative about any other written notices received. 
As I have not been given any real reason as to why this debt is owed and I have been told numerous times that my account is paid in full and I have zero outstanding insurance payments or deductibles I am disputing this charge. I have already sent notification of this by mail to Mazda Capital Services, XXXX, and the Office of the Texas XXXX. I wish to submit my complaint and dispute here to official record it with the CFPB and ensure it is addressed. Thank you!