23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Starting in the middle of XXXX, Freedom Mortgage, our mortgage lender, began offering a program allowing a temporary hold on payments due to COVID hardship. Hoping to mitigate some financial burdens, my wife and I applied for the program. After 6 months, we decided that we were comfortable enough to resume our regular payments and began speaking with Freedom Mortgage to initiate the process. In XX/XX/XXXX, we were sent loan modification paperwork which was promptly filled out and returned. Shortly after, we were told that the documents Freedom Mortgage sent were incorrect and would once again need to be resent, filled out, notarized, and then returned. We did not receive the second package in the mail, requiring me to call and inquire about its status. Given that the due date to return these documents was fast approaching, the individual I spoke with sent the paperwork via e-mail, allowing me to quickly print, fill out, and send it back - all before the provided due date of XX/XX/XXXX. From this point, Freedom Mortgage began sending notice that they had not received the documentation on time and threatened to take us off of the Loss Mitigation Program and that we would need to pay the full amount due of more than {$22000.00}. After calling them again, I was consistently reassured that they had, in fact, received the documents on time and things would continue as normal. Additionally, I was informed Freedom Mortgage made yet another mistake on the documents and would need to resend them. In XXXX, I began receiving foreclosure notices as well as a hit to my credit under a claim that I had not made my payment for the month of XXXX. Still, after calling several more times from XXXX, I was only given empty promises that everything would be taken care of and I should not worry, all while I was continuing to receive foreclosure notices and having a missed payment affect my credit. On XX/XX/XXXX, I also received a letter from Freedom Mortgage stating that they investigated the missed payment and found nothing incorrect about their claim and, on top of that, I was 180 days overdue. It is now XX/XX/XXXX and I have not been sent the " final '' documents, I am afraid that my house will be foreclosed, and I have a massive hit to my credit. This entire experience has been unnecessarily stressful even though I have done everything Freedom Mortgage has asked of me and regardless of how this ends, I will never apply for a loan through them again.
Product: Vehicle loan or lease

I have notified the company Credit Acceptance in regards to my XXXX XXXX XXXX. However, I notified Credit Acceptance a few days after I been released from the hospital on XX/XX/XXXX, due to a XXXX   XXXX. I have spoken to a representative to extend my payments on the back of my loan for two months due to financial issues and COVID-19. I was advised per the representative that my payments will resume  on XX/XX/XXXX of {$290.00}. I have reached out on XX/XX/XXXX due to a disturbing phone call that I was past due of {$580.00}. I have spoken to a representative and supervisor on XX/XX/XXXX and stated that it was notated as payment arrangement, and was also advised no extensions are given. Per the supervisor apologized for the confusion.
Product: Credit card

Synchrony for Care credit is reporting me late for XX/XX/. Payment was not due until XXXX XXXX  account was paid off XX/XX/XXXX, not 30 days late.
Product: Payday loan, title loan, or personal loan

I spotted the account from Ad Astra on my credit profile and submitted multiple disputes based on incorrect information. 

They wrote me back and told me they had talked to their client and confirmed the information, but they have not provided me paperwork with my signature or confirmed the proper dates. The information is still incorrect and they have made no gestures towards fixing it.
Product: Payday loan, title loan, personal loan, or advance loan

We were lied to from the get go. We borrowed XXXX. Were told it would be XXXX to pay it back. We log in and it was XXXX, XXXX seemingly it does not go down as described with payments either. 

We were lied to period. 

This is over 100 % interest and should be illegal.

They also call 3 to 5 times a day daily when you miss a payment. 

They also lie and tell you that you missed payments you havent. 

Avoid this company.
Product: Debt collection

I am being asked to pay a " co-payment '' on a fee charged by the XXXX XXXX XXXX for medical care to which I am entitled. The co-pays for this account were waived by the XXXX XXXXXXXX XXXX in XXXX, Wisconsin. The debt when incurred was {$15.00} and is now {$32.00} as of XX/XX/2023.
Product: Debt collection

Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/2023, including supporting evidence, involving third-party debt collector ( s ) or buyers operating unscrupulously to advance a fraudulent and frivolous debt collection action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This spring after had obtained letter from lender I've ordered my free report from Equifax online. They requested additional information such as two forms of identification and in XXXX 2019 I sent them by mail a copy of pay stub with SNN and copy of utility bill with current address as was requested. Few months passed by since that but I still unable to obtain a copy of my report. They never fixed anything and keep denying my online and phone requests. It seems even more disturbing as long they already had cybersecurity incident and normally they are not supposed to ask customer to send any documents as long they already obtained them from lenders and other third parties
Product: Credit card

With capital one and XXXX XXXX both account were settled and not able to get a card
Product: Credit card or prepaid card

On XX/XX/XXXX I went in to return items to XXXX they refunded me my amount and then I got recharged the same amount but I didn't purchase anything and I've been trying to deal with this since then with the store and the credit card company and they haven't been able to help they keep telling me they will get back to me but never have and every time I call now they place me on hold longer then an hour and then it hangs up. they also told me that they won't charge me late fees or interest till its resolved but I have been charged interest. also it is messing with my credit score
Product: Student loan

Im a full class member of XXXX XXXX XXXX and lender Mohela has taken loans out of forbearance and now reporting them as 30 days past due. They have not processed the full discharge as approved by the class action suit and they are continuing collection efforts and harassing me. Ive requested them to place back into admin forbearance and they said no also asked federal student aid to notify them of this requirement and they have notified Mohela twice but Mohela still refusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person. I am also a prior victim of identity theft/fraud. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Transunion : Bankers XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been trying to wire money from Bank of America to my bank here in XXXX. The process was blocked. I was told that it would reset in 24 hours but that did not happen. I called BoA and was on hold for over 40 minutes which included being transferred twice. They told me it could only be unblocked by the fraud department. I emailed and spoke with XXXX XXXX on XXXX XXXX, 2025 from the Consumer Client Escalations but reached the same impass. She offered to have the fraud department call me. She told me they would call me in a day or two. After a week with no call I sent her another email on XX/XX/year>2025 and left her a voicemail saying that I had not received a call from the fraud department. I got a call ( clearly she needed that prompt ) but I missed it because I was not near my phone. I wrote to her and asked for the fraud department to contact me by email so that we could set up an appointment time to be sure we connected. She has not responded to these emails. In the meantime they tried to call me again but I wasn't near my phone. I wrote her yet again to request that they email me but I have not gotten a response. My account is still blocked and I can not transfer money. I actually want to transfer money here to XXXX and some of it to another bank in the states which has a money market account with a much higher interest rate. I am losing money while waiting for this to be resolved. They do not show any concern for customer satisfaction and no drive or urgency to resolve issues for their customers. It comes across as quite arrogant.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I obtained and printed a credit report from XXXX  and then attempted to get a report from the other two. The request was denied stating that I had obtained reports from all three within the past 12 months. This is not true unless someone other than myself did so.
Product: Credit reporting or other personal consumer reports

I have noticed that XXXX XXXX  has been reporting inaccurate and incomplete information to my consumer reports. i have sent dispute letters to both the furnisher as well as to the reporting agencies notifying them of the inaccuracies. the accounts have been investigated and verified as accurate. however i have not been provided the investigation reports, the information is clearly reported inaccurate and incomplete but yet it remains on my consumer reports. The assumed responsibilities of the CRAs is to promote fairness, accurate and complete credit reports, and as data furnnishers it is their legal obligation to provide accurate and complete information. After multiple disputes and challenges, no changes or deletions have been made, negatively impacting my financial well being. the account needs to be removed and deleted from my consumer report. the wilful noncompliance by the CRAs and the furnisher of this data are in clear violation of my rights, criminally liable to charges for each violation. Correct my consumer reports and hold violators responsible for the damages done.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX, Missouri Laws Dear LMMINC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri 's statutes on identity theft and fraud.

It has unequivocally come to my attention that LMMINC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, Missouri state law, particularly Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information, aligning with the protections afforded under the FCRA.

I assert with unwavering certainty that I have not provided consent for LMMINC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that LMMINC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LMMINC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

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

The credit bureaus have inaccurately reported last active date, date last reported this is grounds for removal they also have violated my rights under : 15U.S.C.1681 section 602 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy XXXX Reference # : XXXX XXXX XXXX Bankruptcy XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act as a credit reporting agency to conduct a reasonable reinvestigation of disputed information on my consumer report, leaving inaccurate and unverifiable accounts on my report. The CFPB has recently filed a lawsuit against Experian, for systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These exact failures align with my experience, where Experian has not removed disputed items despite the evidence I provided, causing ongoing harm to my financial reputation. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates federal law and my consumer protected rights.
Product: Checking or savings account

Ive called my bank at Renasant at several different locations trying to get help with overdraft fees. Im a single mom and told them I started a new job with the XXXX XXXX and I had no money to put in my account until I get my first paycheck. I got a letter from the big glass Renasant bank in XXXX, XXXX saying if I need help to call. I called Thursday to tell them if they could help with a couple it would help. She put me on hold and said unfortunately at this time we cant help, I dont receive my first paycheck until the XXXX of this month. I have occurred XXXX or more in overdraft fees due to insufficient funds in a couple months. Its every other time I check my account Ive been hit with another {$36.00} fee. Those add up to a lot of money. I will be lucky if I get to spend any of my check to buy food and gas to survive on due to all the fees. I was charged two to three overdraft fees in the same day as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint is regarding XXXX XXXX FKA XXXX, ACCT.NO.XXXX   reporting on XXXX, TRANSUNION AND XXXX credit bureaus.It is of special significance that this account has been disputed twice within the last 30 days from each bureau and each bureau updated and verified the information each time.

The evidence attached are 3rd party credit pulls pulled today XX/XX/2019.After multiple disputes verified by each bureau, the information does not match between them and all of them can not be correct even though each bureau says the information is correct.I would like this specious creditor who bought the account or the bank to simply delete the account as a solution for this ongoing problem. 
The proof is clearly readable and understandable for each bureau to act unilaterally to delete this account from a creditor who does not possess the records of the original creditor and is merely guessing as a response to a dispute.
Product: Debt collection

Date : XX/XX/2017 Amount : {$390.00} Action Taken : When I disputed this account and it was removed on XXXX and XXXX, but LVNV Funding forgot to remove it from my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a collection account on my credit report that has been reported by XXXX XXXX XXXX ( account # XXXX ). The original creditor of the account is listed as XXXX  XXXX XXXX. However, I believe that this account is fraudulent and the result of identity theft. 

I have never had any business or financial relationship with XXXX XXXX XXXX, nor have I ever authorized any transactions or account activity with them. I have also never received any communication or billing statements from them. 

Upon reviewing my credit report, I noticed that this account was listed as a collection account by XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX and requested more information about the account. They were unable to provide any evidence of the debt and could not explain how the debt was incurred. This is further evidence that the account is fraudulent. 

I am requesting that the fraudulent account be removed from my credit report as soon as possible. I have already taken steps to report the identity theft to the relevant authorities, and I have filed a police report to document the crime. I have also contacted the original creditor, XXXX XXXX XXXX, to inform them of the fraudulent activity. 

Please find attached copies of my identification and other supporting documents to assist in your investigation of this matter. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the numerous unsuccessful attempts to remove late closed accounts from my credit report. Despite my repeated efforts and assurances from your company, these derogatory entries persist, impacting my financial reputation and opportunities. 

Over the course of several months, I have diligently followed up with your company to rectify the inaccuracies in my credit report. Unfortunately, each attempt has yielded temporary fixes or promises of resolution, only for the same issues to resurface shortly thereafter. This cycle of inefficiency and frustration is unacceptable and undermines my confidence in your company 's ability to handle such matters effectively. 

The persistence of these late closed accounts on my credit report has had significant consequences, including hindering my ability to obtain favorable terms on financial products and negatively impacting my credit score. Furthermore, it has caused undue stress and anxiety as I struggle to mitigate the effects of these inaccuracies on my financial well-being. 

I demand immediate and decisive action to permanently remove these erroneous entries from my credit report. Additionally, I request a thorough investigation into the root cause of these repeated failures to address the inaccuracies effectively. 

Furthermore, I insist on being compensated for the tangible and intangible damages caused by the prolonged presence of these inaccuracies on my credit report, including any financial losses or adverse impacts on my creditworthiness. 

I urge you to prioritize this matter and provide a concrete plan of action to rectify these issues promptly. Failure to do so will leave me with no choice but to escalate this complaint to regulatory authorities and seek legal recourse. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary.