23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I feel discriminated against by FREEDOM MORTGAGE for having been a recipient of federal aid under the EDD PUA program, which is given to those affected by XXXX. And for FREEDOM MORTGAGE that immediately disqualifies me from refinancing my property at the historic 2.87 % interest at adddress # -- -- - XXXX XXXX. XXXX CA, XXXX. My wife and I have never stopped paying for six years and six months our monthly payments at {$1300.00} to Freedom Mortgage Corporation with an interest of 4.75 %. But FREEDOM MORTGAGE CORPORATION has not accepted as valid the two years of taxes ( XXXX, XXXX ) where the income for EDD PUA appears. Freedom Mortgage Corporation told me that they prefer that I continue to pay high monthly payments ( {$1300.00} ) with high interest ( 4.75 % ) ; instead of paying low monthly payments ( {$990.00} ) with a low interest ( 2.87 % ). for me they are discriminating against me for asking so many questions, I think I also bothered them for telling them that they are the same company ( Freedom Mortgage ) that owns my credit. Freedom Mortgage did all the calculations for me to qualify for REFINANCING with 2.87 % under a new federal program XXXX, Freedom Morthage Corporation, made me a new contract for 30 years ( 360 months ) and calculated {$990.00} per month. 

First : Freedom Mortgage made me the contract with all our tax information, copies of checks and credit report ; and they made the calculations with 2.87 % interest with a monthly payment of {$990.00}. 

Second : Freedom Mortgage using the new federal program XXXX told me that under that program I qualify. 

Third : Now Freedom Mortgage tells me I don't qualify for anything. 

Fourth : Now I feel discriminated against for having asked them many questions, because of my low income economic status, because of my age. 

Fifth : I feel very sad extremely sad, for having received federal aid under the federal EDD PUA program, because for FREEDOM MORTGAGE reporting to the IRS having received help for self employment is a crime that disqualifies me from saving approximately {$300.00} per month, of 4.75 % of interest, at 2.87 % interest.

Sixth : for having received federal aid EDD PUA, freedom mortgage punish me to continue paying the high fees {$1300.00} ; and higher interest 4.75 % Seventh : I told FREEDOM MORTGAGE CORPORATION that I did not want to get money from the property profit ; that I just wanted to refinance to lower the monthly payments from {$1300.00} with 4.75 % interest, to {$990.00} with an interest of 2.78 % and save me approximately {$300.00} per month, And I told them that Freedom Mortgage knows all my payment history from the beginning ; And that they might not read it would be convenient, for that reason maybe they eliminated me from the benefits of refinancing at low interest with Them Freedom Mortgage Corporation
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5600.00} XX/XX/XXXX
Product: Mortgage

The mortgage servicer Rushmore Loan Management Services did not provide me with the Notice of Transfer Letter in accordance with 12 CFR 1024.33. The transfer was done on XXXX XXXX, 2015. Regulation X prescribes the requirements for Notice of Transfer under 1024.33 ( 12 CFR 1024.33 ). I, the borrower should have receive the notice from the servicer at least 15 days before the date of transfer of servicing.
Product: Credit card or prepaid card

I made a payment within 30 days and Discover reported negatively on my credit report that I did not make a payment.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following inaccuracies : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX violation of section XXXX A XXXX XXXX XXXX XXXX XXXX. Please remove from my credit report XXXX XXXX  Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Violation of XXXX XXXX XXXX XXXX - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Violation of XXXX XXXX XXXX XXXX - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

In accordance with the Fair Credit Reporting Act, I request an investigation into these items and their removal from my report. It is my understanding that you will verify these items with the respective creditor. Please delete any information that the creditor is unable to confirm. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within XXXX  days of receiving this letter. 

Kindly send an updated copy of my credit report to the aforementioned address. According to the act, there should be no charge for this updated report. Additionally, I request that you notify any party who has received my credit report in the past XXXX months of the corrections made. 

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

for over 3 years I having been trying to have erroneous information expunged from my report through government channels. My previous complaint ( XXXX ) has had no response in over 2 years! On a recent credit check I realized it has still not been removed. Barclay has failed to legally respond and address this issue. Should I pursue a legal remedy?
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report there is a credit card account open with XXXX XXXX Bank reported as delinquency. I never had such account and I reported to the bank such account as theft of my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership and they advised me that they were not going to run a hard pull on my credit and in turn, they ran multiple hard inquiries without my consent.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TO whom it May Concern : Also XXXX website is down to file disputes for the last 3 weeks MUST BE REMOVED Did not have my WRITTEN CONSENT RE : 15 USC Section 1692C -NO RESPONSE FROM : Transunion XXXX XXXX and XXXX or the creditors and no actions Sent to all of them Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( TransUnion XXXX XXXX XXXX and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right I am disputing the- referenced debts below. Please verify this debt as required by Fair Debt Collection Practices Act. 

Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. The law states these items need to be removed within 4 days of receiving our complaint. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated. 

XXXX XXXX XXXX {$250.00} XXXX XXXX  - NOT valid - Never had XXXX XXXX XXXX {$1100.00} - XXXX XXXXXXXX XXXX - NOT valid - Never had XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX- NOT valid - Never had XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX - NOT valid - Never had XXXX XXXX - {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX  NOT valid - Never had XXXX XXXX XXXX XXXX - {$82000.00} NOT valid - Never had was covered under the cares act of covid 19 relief CC : Federal Trade Commission Consumer Response Center
Product: Checking or savings account

I HAVE TRANSACTIONS ON MY ACCOUNT THAT I DIDNT DO STARTING ON XX/XX/XXXX.

- NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   FL XXXX ATM ID XXXX XXXX XXXX   $XXXX
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ONXX/XX/XXXX XXXX XXXX CA XXXX   CARD XXXX   $XXXX   
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX   CA XXXX CARD XXXX   $XXXX   
- Expand XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX* XXXX XXXX XXXX CA XXXX  CARD XXXX     $XXXX   
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX   CARD XXXX   $XXXX    
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX   $XXXX 
-  Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX7 CARD XXXX   $XXXX  
- Expand XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE   $XXXX 
-  Expand XX/XX/XXXX NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX ATM ID XXXX CARD XXXX   $XXXX 
-  Expand XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE   $XXXX  
- Expand XX/XX/XXXX NON-WF ATM WITHDRAWAL AUTHORIZED ONXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX   ATM ID XXXX CARD XXXX   $XXXX  
- ExpandXX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX   $XXXX 
-  Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX   $XXXX  
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX CA XXXX   CARD XXXX   $XXXX  
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX FL XXXX CARD XXXX   $XXXX 
-  Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX   XXXX FL XXXX  CARD XXXX   $XXXX  
-  Expand XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE   $XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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 a account without my written instructions
Product: Vehicle loan or lease

My car was totaled and the insurance company sent a check to pay off the remainder of the lease. Both myself and the claims adjuster verified the payoff balance and my online payment history reflects that the payment was made on XX/XX/20. Hyundai continues to bill after the payoff including an automatic payment of {$250.00} from my account. I turned off the auto payments and requested the return of my payment and that the account be closed but the request was not processed. It is now XXXX and I received a collection call on a Sunday morning. The company was not able to tell me why I was getting a collection call and then hung up on me. I called back and was told I had to call on Monday to get the issue resolved and when asked to speak to a supervisor to understand why they are not recognizing the payoff on my account, I was never put through. A collection call on a Sunday when you can not provide any customer service to resolve billing issues is unfair business practices.
Product: Debt collection

I ask for the original debt and what it is for was told I have to give my ssn XXXX  and private information which I stated I will not and can I have the original debt form mailed to the address on file the person said yes but all I received was the information about them and a false debt from XXXX I know this since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  prior to the time of this supposed debt they have refused to give me the original debt information and have mentioned if I don't pay them my credit will continue to be dinged by them monthly until they have the payment in full
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  Account Name XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX  XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 a 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: Debt collection

I have attempted to have them verify this debt due which they have not and have threatened me verbally that if I do not pay this debt they will sue me. I have asked for validation of debt and they have not responded with proper documentation. They have also said to pay debt in full but they will not remove debt which is a violation Under 15 US Code 1681b.
Product: Credit reporting

I sent a XXXX XXXX XXXX a creditor 's validation letter to inform me about the collection they have in their office under my name. Accordingly to the FDCPA they had 30 days to respond back to me but they fail to do so. They were supposed to contact TransUnion Credit Reporting Agency in order to remove the debt from my credit report. Below are the documents I sent and the tracking Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

You do not have the right to have a pending investigation until XX/XX/2020. THE LAW IS CLEAR IT SAYS 30 DAYS TO INVESTIGATE. YOU DID NOT INVESTIGATE IN THE 30 DAYS. ANY INVESTIGATION AFTER XXXX IS ILLEGAL. 

CLOSE THIS MATTER IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX have violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$3100.00} XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$5000.00} XXXX  XXXX Balance Owed : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing a fraudulent inquiry on my credit report and I was unable to do so. The next inquiry needs to be removed from my credit : XXXX XXXX XX/XX/2023
Product: Debt collection

Have no legal or binding contracts or accounts with company with acct : XXXX or any other accounts
Product: Debt collection

I am submitting this complaint to Southwest Credit Systems. There is no third party involved please see attached complaint
Product: Credit reporting

Please help me, I have disputed previously a couple things with Experian, provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.
Product: Credit reporting or other personal consumer reports

I asked transunion to fully validate errors on my account, nothing had been removed or fully validated.
Product: Credit reporting or other personal consumer reports

I did not initiate this account, and I strongly suspect it to be fraudulent. I have previously notified the collection agency regarding this matter, but the account remains on my credit report.
Product: Debt collection

the company will not change a few incorrect addresses on my credit file. This is MOT my address. I have shown this address a a few times and no results even after the law suit last year resulting for this exact reason.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

Collection/Charge Off : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Employers : XXXX XXXXXXXX Employers : XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX
Product: Checking or savings account

6 moths ago Im opening accounts whit chime and this guys closing my account whit not explaining anything and dont return my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you because the investigation process regarding some accounts that were fraudulently opened are still being reported as accurate and verified which is not true. I have over the years sent in a police report, drivers license, ss card to prove the these accounts were fraud but yet they are still on my credit report. 

XXXX XXXX XXXX account is fraud account- XXXX amt reported XXXX opened XX/XX/XXXX dob is wrong but my name and ss was used XXXX XXXX  XXXX opened XX/XX/XXXX amt XXXX. The name on the card is XXXX XXXX name is XXXX XXXX and also dob is different. 


XXXX XXXX opened XX/XX/XXXX amt XXXX. The address was the card was sent to was XXXX XXXX XXXX in XXXX XXXX. I reside at XXXX XXXX XXXX. A different conflicting personal information was used to open account. 

XXXX account was opened XX/XX/XXXX amt {$6900.00}. This account was opened at a different address using different date of birth. My name and social was used They have not removed the alias names used during fraud XXXX XXXX and XXXX XXXX. Always fraud addresses XXXX XXXX XXXX XXXX XXXX CT XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX XXXXXXXX 2. None 3. None
Product: Debt collection

I did not consent to, nor benefit from, nor authorize the following account : 1STPROGRESS XXXX XXXX - Account XXXX ; Amount - {$500.00}
Product: Credit reporting 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1681 602 ( A ) states I have a right to privacy. 15 USC 1681 604 ( A ) 2 states a consumer reporting agency can not furnish an account without my written instructions. 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe information is inaccurate