23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

freedom mortgage purchased my loan from my previous loan servicer, in XXXX with out my consent. Due to the high interest I am paying, I tried to refinance with freedom mortgage to lower my payment in XX/XX/XXXX. After all required documents were collected, the loan officer I worked with know by the name XXXX told me the higher interest rate than what was printed on their website that day and I did not proceed. In XXXX of XXXX I tried to refinance my mortgage with different bank. By the time I was about close, I was overwhelmed by mails and phone calls from freedom mortgage asking me if I refinance with them, they will match or bit ant interest from any other financial institution and I do not have to pay mortgage origination fee and pay little no closing costs. To take the advantages of offers, I started the process of refinancing with freedom mortgage in the beginning of XXXX. Back then I was told the process will take the maximum of 6 weeks. By believing in them I submitted first round of all required documents to them. Then after, I was overwhelmed by calls and emails from a minimum of 11 people pretending to be all are from freedom mortgage. I submitted all requested documents. After they received whatever they requested for, almost none of them replied to my calls or emails. Now I am in my 8th week since I started the process. While I understand the effects of code 19 pandemic, I consider the process is unfair and discriminatory and most of the people who are involved looked either my coworkers or my neighbors. Is this fair business practice? 
the people involved are 1, XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX
Product: Mortgage

i was issued a wrong modification with XXXX XXXX XXXX after loan was sold to them and in turn now a servicer spf wont help. my home is legally entitled toa loan reduction from sandy damage and a real modification. this loan change hands three times and nowforeclosure is in process.. no one cares no one helps but when i was need in XXXX i did my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX along with the three Credit Bureaus XXXX, XXXX and Transunion have violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Account never received my permission and is falsely reporting this Account on my credit report as a mortgage.
Product: Credit reporting or other personal consumer reports

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several dispute letters sent to Company and Credit Bureaus. Company has not responded to anything including CFPB complaint ( s ) : XX/XX/XXXX [ # XXXX ] XX/XX/XXXX [ # XXXX ] Company is reporting old information and Michigan Statue of Limitation on Credit Card Debt is 6 years. Once the statute of limitations has passed, the debt becomes time-barred, and the creditor can not sue you to collect it. This account was open on XX/XX/XXXX and updated on XX/XX/XXXX stating that Consumer is 90 days late on XX/XX/XXXX & XX/XX/XXXX BUT Closed & Last Activity on XX/XX/XXXX and Charged Off on XX/XX/XXXX. The clock starts ticking when you fail to make a payment and it can be reset if you make a partial payment. Per Consumer Report the last FAILED payment was XX/XX/XXXX. 

All of these dates are inconsistent and the company has made several violations : 1. XXXX Consumer account by reporting the date of the last activity instead of the date of the first delinquency-FCEA Section 605 ( c ) - {$1000.00} Fine 2. Limit on Collection Time Barred Debt-12 CFR 1006 26 ( b ) Prohibits a collector from initiating or threatening to bring a time barred collection action.

3. Refusal to correct information after being provided proof of accuracy.-FCRA Section 623. XXXX v XXXX XXXX. US Court of Appeals for the third Circuit Court Case XXXX XXXX  XXXX XXXX. XX/XX/XXXX, Filed ( DC XXXX XXXX ) 4. Failure to respond to Consumer written disputes within 30 days-FCRA Section 611 Part ( A ) ( 1 ) - {$1000.00} Fine 5. Failure to report disputed debt to credit bureaus-FDCA Section 807 ( 8 ) - {$1000.00} Fine 6. Failure to validate debt-FDCPA Section 809 ( b ) - {$1000.00} Fine 7. Failure to validate and report to Credit Bureaus-FDCPA Section 809 ( b ) - {$1000.00} Fine 8. Report Consumer credit inaccurately-US Court of Appeals XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX- {$1000.00} Fine 9. Failure to report disputed debt as disputed debt to credit bureaus-FCRA Section 623- {$1000.00} Fine
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX TransUnion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : 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 theft. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting or other personal consumer reports

I am writing on XX/XX/ with a response to recent correspondence regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

I dispute the validity of the debt mentioned in your correspondence and request that you provide validation by providing the following information : 1. Verification of the original creditor 's name and address.

2. Documentation confirming the existence and validity of the debt, including the amount owed.

3. Copies of any agreements, contracts, or documents bearing my signature, validating my obligation to pay this debt.

4. Verification of the license to collect debt in my state.

Please note that I am requesting the validation of this debt and not merely verification that you have my contact information, or a basic statement of the amount owed.

Until such time as you are able to provide validation of this debt, I request that all collection activities, including communication by phone or mail, cease. Please communicate regarding this matter in writing only. 
I also request that any negative reporting to credit reporting agencies be suspended until this matter is resolved. 
Please respond to this validation request in writing within 30 days from the date of receipt of this letter. Any further collection activities without validating this debt will be considered a violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX - XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX, XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX - XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

The letter that was attached in the last complaint... does not have an proper address and that's why I haven't received any notice from this company and whatever they said they are sending because the address they enclosed is wrong .... that's not my address.. the company XXXX 's closed down years ago i never opened an account with them.. I have my police report FTC report..
Product: Credit card or prepaid card

I rented a car on XX/XX/2022 and returned it on XX/XX/2022. The company placed an authorization on my card for {$3100.00} as insurance against damage to the car. The car was returned without any new damage or other issues on XX/XX/2022 before XXXX local time ( the end date and time on the contract ). Instead of releasing the authorization as required upon return of the car my card was fraudulently charged for the full {$3100.00} ( XXXX XXXX ). 

I have reported this to the JP Morgan Chase four separate times in writing with all relevant details but they have only sent meaningless vague form letters that do not address the issue ( example ) below and have failed to credit me for the fraudulent charge as required by law. This is a frequent and ongoing problem with JP Morgan Chase. It has happened many times in the past and continues to happen on a regular basis. 

Additionally, the company in question XXXX XXXX XXXX ( aka " XXXX XXXX '' ) is well known for similar frauds and this is easily verified with a simple google search.
Product: Credit card

Hard inquiries were made on my account. One was bank of America and someone opened a credit card in my name without my knowledge.
Product: Debt collection

Representative called and the first thing I heard was that the call was being recorded and them asking to speak with my husband. When I notified them that they were calling his wife 's phone, they asked me for his social security number to verify who they were speaking with. I informed them I do not give out our information and they asked me to have him call, and tried to hang up without providing any information. They never announced the name of their company when I answered the phone, and when I asked for the name of the company, they provided it, and quickly hung up the phone without giving me a phone number. I reverse XXXX the number of XXXX from my caller ID to get their info.
Product: Mortgage

In XX/XX/2019 my wife and I were taking proactive measures to ensure we could meet our mortgage payments despite her having become XXXX and no longer receiving employment income. We considered refinancing our 15 year loan but had heard of loan modifications, which seemed easier and cheaper. We called Union Bank and asked if that could be done for us. I admit now that I did not know all the facts of such a program and depended on Union Bank for advice. I submitted some paperwork and was approved and advised to make 4 Trial Payments that were {$210.00} less a month. I assumed the loan modification would be a similar arrangement resulting in our 15 year loan having a reduced interest rate to match the current market rate. The final modification changed our 15 year loan to a 40 year loan, not at all helpful considering we are both over 60. We signed the agreement anyway, assuming it would buy us time to shop for a better 15 year loan. 

On XX/XX/2019 a local bank notified me that I did not meet the underwriting requirements to be the contractor of record for building a residential home for my customer. The reason given was negative credit reporting for the 4 months of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX & XX/XX/2019 for " delinquent '' mortgage payments. These were the months we paid Union Bank the Trial Period payments, on time, as instructed. We were never notified verbally or in writing that the trail period payments would be considered delinquent even if paid on time, or we would never have agreed to the mortgage modification plan. We would have refinanced the loan. The Trial Period contract states " Please note that except for your monthly mortgage payment amount during the Trial Period Plan, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the Trial Period Plan ''. In what universe should that have caused us concern if we had never been late on payments?
Product: Vehicle loan or lease

On XXXX the XXXX, XX/XX/XXXX and XX/XX/XXXX a negotiable instrument with a remittance coupon was sent in with a letter of instruction to the company by me, the company ignored and dishonored.Which violated UCC 3-603 TENDER OF PAYMENT ( a ) ( b ) which states if tender of payment of obligation to pay an instrument is made to a person entitled to enforce the instrument the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) as stated if tender of payment of an obligation to pay, an instrument is made to a person, entitled to enforce the instrument, and the tender is refused. There is discharge to the extent of the amount of the tender of the obligation of an indorse or accommodation party having a right of recourse with respect to the obligation, to which the tender relates. 
The company also violated UCC 3-604 DISCHARGE BY CANCELLATION OR RENUNCIATION. UCC 3-149 ,3-104, 3-306 USC 1786 ( m ) ( 10 ) ( A ) and 3-301. Has all been violated.on XX/XX/2023 a validation of debt letter was sent out to the company, the company responded with a letter stating my account will remain the same and the debt was never XXXX XX/XX/XXXX I received a letter from the company threatening to repossess my vehicle. If payment wasnt made.on XX/XX/XXXX my vehicle was illegally repossessed. There wasnt any current UCC filings for a lien on my vehicle at the time of repossession. Given that the company has traded my securities Which is currently still being traded on the primary and secondary market with out my permission. according to 3-203 ( b ) it states that the company lost their legal right as a holder upon the transfer.The company also stated in my contract that they were not to share my personal and private information with any non-affiliates or third-parties however, my information was share with non-affiliates. The company is only giving me one option to resolve this matter and In the threatening letter to sell my vehicle on XX/XX/2023 if I didnt pay the full balance of {$57000.00} only given 15 days to do so. The companys Never gave me a valid reason as to why my payment wasnt accepted and they also violated XXXX XXXX title XXXX XXXX.
Product: Debt collection

There is an old XXXX XXXX credit card debt ( XXXX bank ) of XXXX $ from over 7 years ago that isn't mine. The social security number tied to the debt is not mine. I have proven this before, and had it removed from my credit report ( in XX/XX/2020 ). The debt continues to be bought and change hands every couple of months, where I will receive letters from the new companies. The company that has the debt now has reported it to the credit companies as a new collection and has tanked my credit score almost 100 points. I want this debt gone from all the credit reporting agencies and I want this debt to finally die. The current company is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ''
Product: Student loan

I have private loans that add up XXXX. I got these loans through XXXX XXXX. The university that I attended which was XXXX University never explained to me that I could ever run out of Federal loans for school or that I would be required to take out SO many private loans in order to finish. At the time that this was happening my Dad was in the hospital suffering from XXXX XXXX. I was told that I needed these loans so that I could continue my education and get my degree. My mom was forced to co-sign since my dad was unable to due to his XXXX. My mother and I were just trying to keep our head afloat. Then when I graduated in 2014 and had only 6 months to find a job and make enough money to pay them back, I was unable to pay them. They were wanting me to pay them XXXX a month on a single income, with a car payment and rent. At this time my Dad had just XXXX XXXX after a XXXX XXXX and again my Mom and I were just trying to keep our head above water and I tried to pay them what I could when I could, but they did not care. My school promised job placement upon graduating and I have been graduated for 5 years and have still not found a job in my field. I had to take a job that I would have never dreamed doing just to survive. One month XXXX XXXX called me and said that I needed to pay a certain amount of money like XXXX in order to keep my loans from being sold. I pleaded and said that I would do what I can, and at the end of that month when I couldn't even have the money to pay my rent they sold my accounts. The place that now services my loans is telling me that I need to pay a huge amount every month or it will go to legal and they can garnish my wages or even put a lien on my Moms house. I did not deserve to be treated the way I was treated to repay my student loans. I need help knowing what to do because right now I am out of answers and I or my Mother can not pay what they are expecting us to pay which is XXXX to keep it from going to legal. During the time of wanting me to pay they were calling people that I never authorized to know about my loan. They called me sister looking for me and they even called my Moms neighbor. They humiliated me contacting people so they then knew I was behind on my student loans. It was embarassing
Product: Debt collection

I received a phone call supposedly from the dept of ed in regards to my student loans. I was told that my loans were past due and that it would affect my credit. I was also told that I could be eligible to make lower monthly loan payments based off of my income. The person who called knew all of my personal information. The rep helped me to set up automatic payments to be withdrawn from my account before it affected my credit further which we did. 4 payments were deducted from my account in the amount of {$160.00} for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Turns out this money was never applied to my student loan balance at all but was a scam from a third party. I have contacted my bank to file a report which an investigation will be conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. Please block the noteworthy items that are opened without my consent Please block these items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian based on inaccurate report from : XXXX XXXX XXXX in collaboration with : XXXX XXXX without the necessary due process and investigation has included the following inaccurate information : Accounts ever late 1 Collections 1 in my credit report and has tarnished our excellent credit score of above 820 to less than 700 and interfering with out ability to obtain loans at lower interest rates. 

Numerous dispute filing and several letters indicating the fact that the amount claimed by XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX ) is baseless have finally produced the outcome of " Account paid and closed '', but the above two baseless indicators still remain our my credit report. 

This is after, with great reluctance, we agreed and paid XXXX XXXX for an entire month of their services, at an exaggerated amount, when we never actually utilized their services, since we were already under the contract for exactly the same services with XXXX. We paid, so that the inaccurate information our credit would be erased. That has not happened yet!! 

This complaint is against both Experian, for attempting to destroy credit worthiness of consumers, simply based on receiving a report by a collection agency, and against XXXX for their lack of accuracy in keeping track of their equipment returned by consumer, the difficulties that they created when it comes to terminating their services and charging consumers for the entire month of services, even though the services were not utilized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on my Experian Credit Report. On XX/XX/2020 Experian refused to investigate my new evidence of the inaccurate reporting of my credit file. When I attempted to upload the supporting evidence again, the Experian online dispute center had several technical issues that could not be resolved. The inaccuracies in which Experian is reporting is having a significant impact on my credit profile. 

The following accounts have been re-aged, are reporting inaccurate balances, and have numerous inconsistencies with the other credit bureaus. If they are receiving their information from the same creditor, why is the information not the same? Experian is also reporting term limits and payment statuses on supposed charge-offs. 

Account name XXXX  XXXX Account number XXXX 

Account name XXXX XXXX/XXXX  Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX ....