23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX my mortgage company, Freedom Mortgage, started foreclosure proceedings against me and my husband. We filed Chapter XXXX bankruptcy on the advice of our lawyer, XXXX XXXX, stop the proceedings. The case was confirmed on XX/XX/XXXX. During our bankruptcy we made our payments to the trustee, XXXX XXXX and we also made our payments to our mortgage company. Our bankruptcy case was dismissed on XX/XX/XXXX. At the time that our bankruptcy was dismissed, all of our arrears for our mortgage have been paid in full according to documentation we received from the trustee. On XX/XX/XXXX we received a letter from the mortgage company lawyers, XXXX, XXXX, XXXX XXXX XXXX, stating that we needed to pay {$5900.00} to cure any default in our monthly payments through XXXX XXXX, XXXX. We immediately paid that amount and therefore we were paid in full through XX/XX/XXXX on our monthly payments, and our arrears were cured through our bankruptcy payments via XXXX XXXX Trustee. This should have meant that as of XX/XX/XXXX, we were completely up do date on our payments. Then for the month of XXXX I made our monthly payment of XXXX on XX/XX/XXXX. Therefore we should now be up to date though XX/XX/XXXX. However, much to our surprise, we received a mortgage statement with a statement date of XX/XX/XXXX stating that we had {$1600.00} in " fees and charges '' and {$11000.00} in " overdue payment '' due by XX/XX/XXXX in addition to our regular monthly payment. I immediately contacted our attorney XXXX XXXX and asked what this extra {$13000.00} that Freedom Mortgage was claiming we owe was all about. I asked him to contact their lawyers and he refused to. He told me to call Freedom Mortgage myself. So I did. 3 times. Every time I called and asked for a description and a breakdown of what this money they are claiming we owe is noboby on the phone could give me an answer. I was told all three times that a request would be submitted to the bankruptcy department for an accounting and a breakdown of what these charges were. I was also told the bankruptcy department probably just failed to apply my payments correctly and they would fix it. Each time I asked and was told that this process takes 24-48 hours. This has been going on for over a month and I have not received any response from the mortgage company, I have not received any explanation as to how I owe this {$13000.00} when I have paperwork from their own lawyers and my trustee to prove I am up to date on my payments. My husband called our lawyer XXXX XXXX again and asked him to intervene since Freedom Mortgage is not cooperating with us and he told my husband we just need to call Freedom Mortgage ourselves again. During this whole nightmare Freedom Mortgage has now restarted foreclosure proceedings again even through I have submitted all paperwork to them proving that I am up to date on my payments and they still wont tell me what they claim I owe {$13000.00} for. I am beginning to feel that I am being discriminated against and I am running out of options because I can not get any assistance from our mortgage company or our lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. Under the permissible purpose section of the Fair Credit Reporting Act, I have NEVER given this agency written consent to report this information. 

I demand these accounts be deleted from my credit report
Product: Credit card or prepaid card

XXXX - and other retailers - offer a service called XXXXXXXX XXXX XXXX in which the consumer can apply and obtain credit ( via a hard credit report inquiry ) and purchase a new XXXX XXXX XXXX ( or another model ) plus an All Access game pass for a monthly fee for 24 months. The credit is provided through Citizens One - perhaps a subsidiary of Citizens Bank. The intermediate third-party shipper is XXXX. 

I purchased this service on XX/XX/XXXX and the shipping date was XX/XX/XXXX. XX/XX/XXXX came and went. I have received zero updates on the shipping date, even after multiple inquiries with XXXX and CitizenOne. In fact, when I call XXXX, they tell me to call CitizenOne. When I call CitizenOne, they say call XXXX. Guess what XXXX says when I call? Call CitizenOne or 'the retailer '. 

These three organizations, together, received my personal financial information, my social security number, and performed a hard inquiry on my credit report. Surely, the line of credit will also be reported on my credit report - yet, they have apparently zero obligation or feel no responsibility to provide any meaningful way to update a customer on their own failure to stick to the terms of the deal. Any business should have a method for a customer to resolve disputes, especially when the good faith credit of the customer is at stake. Instead, these three companies point the fingers at each other and intentionally obfuscate and frustrate any attempt to get information regarding how to resolve a dispute.
Product: Debt collection

Portfolio Recovery Associates has illegally placed a debt on my credit. I have no knowledge of this debt and I do not have a contract or agreement with this company. This company did not legally provide any written contract information in regards to this debt nore did they contact me in regards to this debt. They have violated my credit rights and need to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to EQUIFAX for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2023 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Vehicle loan or lease

Hello, I was attempting buy a car from someone in Arkansas it was a salvage title XXXX XXXX XXXX  that the seller had fixed and put up for sale. He was able to get me approved the Westlake financial and told me say certain things on the phone when having my first phone call with the bank like I like the car even though I had not taken deliver of it yet and to say I put down a certain amount of money even though I did not. I thought my registration was already done but it wasnt so when I attempted to get it registered I could not due to the car failing an Inspection. I attempted to give the car back to the seller but he was trying to force me to keep it and threatening to sue me. Westlake would not allow me to send the car back since both parties were not in agreement and basically forced me Into a loan with a lemon vehicle. The car ended up getting stolen and they are still trying to hold me responsible for the loan I did not want to do and are attaching late payments to my credit report. I am going to court to try and get this resolved now.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX and experian are now in violation XXXXS. Code 1028A - Aggravated identity theft U.S For not sending me Method of verification for account below that were disputed I was supposed to get documents of how credit bureaus have intimated disputes along with all procedures and findings of the investigation within 15 days of receipt Sent my address on file 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Are all accounts that need to be removed off consumer file XXXX, experian and XXXX Are also in violation Of 1681A ( i ) a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is illegal to report Transaction history and experiences which all accounts above in violation 15 U.S. Code 1681e mandates that consumer reporting agencies, like XXXX and Experian, maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. However, it seems they are not adhering to these standards. 


So I will give experian, XXXX and XXXX 30 days to remove accounts from report If information is not removed I will take action to find a resolution By Filling a identity theft report against Credit bureaus Making a Complaint with the federal Trade commission FILLING A BBB complaint And filing a Congressional inquiry with congress To Have that Governing body investigate why Credit bureaus are reporting non disclosed information that is supposed to be excluded from Consumer report
Product: Payday loan, title loan, or personal loan

I took out a {$600.00} Loan online. I did not expect to have make payments of {$210.00} with {$30.00} going to the principal and the remaining the money going to the interest in the amount of {$180.00} a month. In addition to this loan is expected to be paid back by XX/XX/XXXX. 
The amount I will have paid back will be {$2400.00} for a loan of {$600.00}. I have not made a payment yet but I am expected to make a payment on XX/XX/XXXX. in the amount of {$120.00} {$90.00} going to interest and XXXX going the prinicipal. I know this is illegal to charge such a large interest on a small loan. I intend to contact my bank to stop the withdrawal of money to this company. I would like this high interest to be eliminated to pay this loan back in the amount of {$600.00} not {$2400.00} I have been deceived by this company.
Product: Credit reporting

My divorce decree indicate that my ex wife to pay all medical expenses created by her children. A collection was placed on my report resulting from her failure to pay the medical bills from her daughter. 
I have disputed the issue with Experian and they sent a report stating the collection will remain and to work out a payment arrangement with the creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS HAVE BEEN CONTINUOUSLY DAMAGING MY CREDIT AND THOSE INFORMATION HAS BEEN REPORTING INACCURATELY. I AM IN DISTRESSED BECAUSE I HAVE BEEN PLEADING TO HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE. THOSE ARE NOT LIABLE TO ME AND THEY HAVE BEEN REPORTING FALSE TRANSACTIONS THAT WERE NOT MADE BY ME. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS LISTED ON THE ATTACHED REPORT REMOVE AS SOON AS POSSIBLE. 

THOSE DEROGATORY ARE PREVENTING ME FROM CLOSING ON A REAL ESTATE DEAL DUE TO THE FALSE ENTRY THAT HAVE BEEN PLACED ON MY CREDIT REPORT.
Product: Credit reporting

Basically, my sister and I have the same initials, grew up in the same home, have similar SSN but we have a HUGE age gap between us. for YEARS I have been having her items show up on my credit report. It started XXXX of 1994 according to Equifax. No one will help me. now I can not even qualify for a home loan because her MORTGAGE shows on my credit report. She has over XXXX debt in my SSN and I can not get it removed. This is so disheartening.
Product: Credit card or prepaid card

My husband and I both had significant job loss during the recession. We kept paying all of our bills. I had to start a business to make ends meet and when I had billing issues was unable to make the full payment on one of our cards ( I paid XXXX rather than XXXX ) and did keep up with the other which was a slightly lesser amount XXXX as opposed to XXXX. I spoke with them to work with us as it was temporary and we were doing everything to stay current, pay our debt and protect our credit. One day XXXX XXXX 2016 I called to make a payment and was told the XXXX had been XXXX XXXX out and was forgiven by USAA Bank who I have been with for 30 years. I called the CEO 's office and told them I did n't want them to do that as I was concerned about possible credit issues and I was PAYING them. I also did n't know if there would be a tax liability we could not afford. This year, no XXXX came and them after preventing us from paying them as the account no longer was accessible they put us into collections all the while keeping the other open and continuing to make payments. They closed both of the cards/accounts and denied access to our online ability to pay or communicate. I contacted the CEO again to say this is fraud and we have been deceived and their individual there XXXX XXXX refused to call me back. It has now been several weeks. I never get my documents via mail as requested only bills. I have stayed current with all other accounts but they have strong armed be to now auto deduct my home and auto insurance payment. Additionally they have been crashing my credit as if I have NOT paid them for over a year and I had no idea. I told them I am not getting correspondence and they sent me a letter saying that I can access the online account. They are the ones that locked it. THIS IS INSANE.
Thanks for your attention to this matter. I am dismayed that I can not trust these people. They also hold my second mortgage, and told me the property valued which it has not for the past 14 years. I have paid them irregardless but they have no accountability for providing a bogus appraisal that would have prevented and interest only situation that is now starting to increase. We are trying to sell to get them paid and now they have after all these years are the very people stopping us from buying or renting a way forward!!!
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute the ongoing verification of an account on my credit report. The attached letters provide clear evidence that the information being reported is inaccurate. Despite this, your agency has continued to report the information as accurate without making the necessary corrections. 

This failure to address the inaccuracies is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that disputes be thoroughly investigated and inaccurate information corrected. I am requesting that you immediately re-investigate this matter and update or remove the inaccurate information from my report.
Product: Credit reporting or other personal consumer reports

When I looked in my credit report, I was confused to see multiple months that are inaccurate that I was on time for. I always look to make timely payments, these are clearly not 100 % accurate. I demand that the payment status are removed and updated to on time for the months that are clearly inaccurate : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some addresses that appear to be incorrect. I have the right to have the correct information on my report. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed below, ( which I would like removed please ) : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is { XXXX XXXX XXXX XXXXXXXX XXXX  XXXX }. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : 1. XXXX XXXX 2. XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. EXPERIAN is reporting late payments/utilization on multiple accounts : 1. LIST COMPANY Unverified/Not Metro 2 compliant XXXX XXXX XXXX XXXX-Unverified /Not Metro 2 compliant Account number XXXX Date opened XX/XX/XXXX Balance {$6800.00} DELETE INACCURATE ACCOUNT HISTORY FROM THIS ACCOUNT AND UPDATE TO A POSITIVE STATUS AND PAID AS AGREED XXXX XXXX XXXX XXXX-Unverified /Not Metro 2 compliant Account number XXXX Date opened XX/XX/XXXX Balance {$26000.00} DELETE INACCURATE ACCOUNT HISTORY FROM THIS ACCOUNT AND UPDATE TO A POSITIVE STATUS AND PAID AS AGREED XXXX  XXXX XXXX XXXXUnverified /Not Metro 2 compliant Account number XXXX Date opened XX/XX/XXXX Balance {$67000.00} DELETE INACCURATE ACCOUNT HISTORY FROM THIS ACCOUNT AND UPDATE TO A POSITIVE STATUS AND PAID AS AGREED XXXX XXXX XXXX XXXXUnverified /Not Metro 2 compliant Account number XXXX Date opened XX/XX/XXXX Balance {$9400.00} DELETE INACCURATE ACCOUNT HISTORY FROM THIS ACCOUNT AND UPDATE TO A POSITIVE STATUS AND PAID AS AGREED XXXX XXXX XXXX XXXX-Unverified /Not Metro 2 compliant Account number XXXX Date opened XX/XX/XXXX Balance {$12000.00} DELETE INACCURATE ACCOUNT HISTORY FROM THIS ACCOUNT AND UPDATE TO A POSITIVE STATUS AND PAID AS AGREED XXXX XXXX-Unverified /Not Metro 2 compliant Account number XXXX Date opened XX/XX/XXXX Balance {$1000.00} DELETE FRAUDULENT ACCOUNT and/or utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave EXPERIAN written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued function of the banking system. Nothing about the reporting of these late payments/UTILIZATION is accurate, and my privacy has been violated due to EXPERIAN violating my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting or other personal consumer reports

I disputed two accounts on my credit report XXXX XXXX and XXXX XXXX XXXX. Between all three credit reporting agencies Experian Equifax TransUnion the dates and information are not the same violating the fair credit reporting act 15U.S.C 1681 There are inaccuracies of information dates are not the same when accounts were closed and when last payment was received also the date of when the account was opened is different making the information incorrect and inaccurate.
Product: Debt collection

XX/XX/XXXX - I was informed by an apartment complex that I was applying to that my apartment application

was denied due to CoreLogic reporting that Fair Collections and Outsourcing collections agency has listed me as owing them over 3,000 $ in outstanding debt.
XX/XX/XXXX - After calling Fair Collections and Outsourcing four times, they have informed me that my social security number is listed in their system as being connected to someone elses name and birthday. I informed them that that is incorrect and that is my correct social security number, and no one elses. The company told me there is nothing I can do to verify this and they will not tell me any way to fix the situation or give me the information of the organization who sold this debt to them as being connected to my social security number. They told me it is possible that someone else has my same social ( which is impossible, and also untrue - i called the social security agency and verified myself. ) They constantly interrupted and raised their voices to me, even after asking to speak with a supervisor. This is causing me to lose an apartment when I am supposed to be moving across Texas in 5 days.

I have filed a formal identity theft report with the FTC and yet still, FCO refuses to give me information such as the name of the company stating that I owe them this debt.

I also would like to note that this debt is not present on any of my 3 credit reports, further showing that it is not my debt.