23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my vehement objection to the blatant violation of my rights and the egregious disregard for consumer protection laws by your company. This is nothing short of fraudulent behavior, and it is imperative that you address this matter promptly. 

The unauthorized sharing of my non-public information is not only a breach of privacy but also a clear infringement upon my rights as outlined in 18 U.S. Code 1028A. I want to make it explicitly clear that I did not provide consent or authorization for the dissemination of my personal information.

Furthermore, your reporting practices are in direct contravention of consumer protection statutes. According to 15 USC 1681 section 602 A, I am entitled to privacy rights that have been callously disregarded in this situation. Additionally, 15 USC 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency is prohibited from furnishing an account without my written instructions.

The violation continues with 15 U.S.C 1681c ( a ) ( 5 ) Section, which expressly prohibits the inclusion of adverse information in a consumer report that antedates the report by more than seven years. The persistence in reporting such information is not only inaccurate but also constitutes a direct violation of the law.

Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) unequivocally states that a person shall not furnish any information to a consumer reporting agency if there is reasonable cause to believe that the information is inaccurate. It is abundantly clear that your actions are in direct contradiction to this provision.

I demand an immediate investigation into these egregious violations and an explanation for this unconscionable breach of privacy. Failure to rectify this situation promptly will leave me with no choice but to pursue all legal avenues available to me to ensure justice is served.

This matter requires your urgent attention, and I expect a comprehensive response within the shortest possible time frame.
Product: Mortgage

My divorce was final on XX/XX/2020. My ex started the refinance process with Freedom Mortgage to remove me from old ( current ) mortgage and reduce his rate. 
On XX/XX/2020 received email from Freedom Mortgage Marketing Department stating that they were committed to closing new loan ASAP, nothing was needed at this time, but would be sure to contact him immediately should that change. 
On XX/XX/2020 he received same message. 
On XX/XX/2020 he received email from XXXX XXXX @ inspire closings regarding per divorce decree, new deed needs to be done and notarized copy needed for divorce payment affidavit On XX/XX/2020 XXXX sent an email asking for clarification of what they need. 
On XX/XX/2020 XXXX XXXX sent email with attachment with information needed. 
On XX/XX/2020 he received message from Freedom Mortgage Marketing Department that they have been trying to contact him, there are some things to discuss ASAP. 
There are many emails back and forth. And looking at the emails my ex has forwarded me, I now figured out what happened. 
XXXX starts refi under old account # that is our joint #. The account # he has paying the mortgage to since we started our divorce proceedings. 
Freedom Mortgage then also starts corresponding with him with the " new '' account number of the loan he will have as a single person. 
XXXX thinks he has been corresponding with Freedom Mortgage regarding the same account # so he's only been responding to those emails to HAS been corresponding. Freedom Mortgage closed the new refinanced account on XX/XX/2020 because he never responded to THOSE emails. 

Freedom Mortgage refinance system is corrupt. Why are there 2 accounts open at same time, asking for the same information with out referencing the other account #. Why do we have to supply the information twice for EACH account #? 
Every time we tried to call, we kept getting a different person, calls would go unanswered or go to an answering machine that is never listened too. They never returned phone calls when they stated ( except XXXX XXXX ) unless I made them tell me when they would return my call. The Market Department never made an attempt to call XXXX, they just sent an email saying they were trying to get ahold of him. 

Freedom Mortgage now says they still can not remove MY name from the mortgage because the refinance did not get completed. 
They are stating that we need to go through an Assumption process to see if the loan QUALIFIES to have my name removed and it will take 3 to 5 business days to even have the form emailed to me. 

It is my understanding that once a divorce is final, XXXX is not obligated to refinance to remove my name from the mortgage. We only need to file a quitclaim to take my name off the property. 

Freedom Mortgage is stating that they can NOT remove my name WITHOUT XXXX refinancing.
Product: Credit card

I discovered fraud charges on my case and found that BP let this charges come in and did not notify me of this fraud use of my card. I also found that there are fees that are charged to my account for this fraud charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a credit card with XXXX XXXX XXXX XXXX. I was attempting to pay the account off. Upon speaking to the teller. I was informed the account was no longer with XXXX XXXX it was sold to a collection agency. Yet XXXX XXXX continues to report a unpaid balance on my credit report. Both them and the collection agency is reporting on my credit report which in turn is causing hardship in obtaining a Home loan.
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, accounts, or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, XXXX, XXXX, XXXX ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$99.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$92.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance {$210.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$650.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$300.00} ; XXXX XXXX XXXX XXXXXXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$210.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$68.00} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney.SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I received a letter from Emergent Servicing which has several negative reviews online so I do not want to call them and request debt validation. The letter says the current creditor is XXXX XXXX, whom I have never heard of or heard from. Emergent Servicing have also been calling and threatening with attempts to deliver documents to my address. This letter is vague and to my knowledge, I no longer have any outstanding debts as I have paid off everything outstanding on my credit report over the past 2 years and have a much better handle on my finances now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report indicates accounts and car loans/leases that do not belong to me. Addresses an names. personal information that is incorrect an misleading used to obtain credit, please start a re-investigation an update the incorrect information thats on my credit report! This is causing undie XXXX XXXX to me and my family in a global pandemic.
Product: Credit card

This should be simple, however I am prepared to take this matter to an Attorney. Please excuse my typing for I have XXXX XXXX and it makes it hard to type. A CC company issued me a card with a XXXX dollar limit. They sent me a first bill. They didn't have my signature or permission to open an account in my nameXXXX or permission to do a hard check on my credit which lowered my score. I'm thinking this is all a scam or something. Who does that. Before XXXX I app [ lied for a XXXX credit card and received it. We went to XXXX for XXXX to visit my mom. when I got back a letter saying my name and a bill for XXXX dollars for Fees. and a date I had to pay it or I owed another XXXX dollars. This must be a joke. I never heard of XXXX, they never sent me any paperwork, i never saw anything just a bill with my name on it. no card or signature or nothing. just a bill for fees. I wouldn't do business with a company who had annual fees. please strop them from doing their business like this. this must be a crime. I am XXXX XXXX XXXX on social security XXXX. a fixed income and XXXX. I shouldn't be t4reatewd th9is way. please stop them. I will report this company to XXXX and FTC and the police if I get one more letter from them. now this is the start of me protecting myself from poor business tactics.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # 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: Mortgage

Upon receipt of my last complaint, the company made a XXXX of adjustments that make no sense on my account which reflected in an alert from my credit company that my account balance has now increased. At no point in time should this balance have increased as it was on XXXX XXXX withdrawals and XXXX XXXX payments. This has now impacted my credit and PHH continues to make it worse in their review and audit of the account and escrow.
Product: Money transfer, virtual currency, or money service

If money was sent in error it was not recoverable, they did not give the correct steps to make sure that money was sent to the correct person and then were unhelpful in the recovery process.
Product: Debt collection

XX/XX/23 XXXX. Called my previous employer with an automated message. My former employer called them back and informed them they can not call a place of business. He debit collector gave her an attitude and stated " it isn't illegal and they are open 7 days a week and can anywhere since they are open ''. When she repeated they can not call the debt collector argued with her and then hung up on her. Now my former employer and possibly former coworkers are aware a debt collector is searching for me. My chance of rehire is now gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems is inaccurately reporting an account that I was never attached to on my consumer report. 

XXXX XXXX XXXX. states that an account was closed for overdrafts. i was never on the account because I was denied an account with the bank. As of XX/XX/XXXX is the date in which is was reported. {$1000.00} - the address that it is reporting does not belong to me. 

XXXX XXXX  XXXX XXXX has an account on my report still showing that it is unpaid when i paid it off years ago. XX/XX/XXXX unpaid status
Product: Checking or savings account

I filed my fraud dispute on XX/XX/year>. I told Wells Fargo that my ID and my debit card and pin was lost on XX/XX/year>. The transactions were XX/XX/year> {$65.00} {$26.00} XX/XX/year> {$310.00} {$170.00} {$630.00} XX/XX/XXXX, {$140.00} {$210.00} {$27.00} {$29.00} {$7.00} {$16.00} {$120.00} {$27.00}
Product: Credit reporting or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3600.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$740.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3300.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$8900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following charge-off accounts that are inaccurately reported on my Experian credit report. I request an immediate investigation and removal of these erroneous entries. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for compliant : Inaccurate Reporting : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate and complete information. These accounts have been reported inaccurately as charge-offs, which is causing significant harm to my creditworthiness. I demand that Experian conducts a thorough investigation as required by 15 U.S. Code 1681i ( Section 611 ) of the FCRA and rectifies these errors immediately.

Verification of Debt : I also request verification of the debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692g. I have not received adequate validation of the debt from the original creditors. Without proper verification, these debts should not be reported on my credit report.

Outdated Information : Some of these accounts may also be outdated and should have been removed from my credit report after the seven-year period from the date of the first delinquency, as stipulated by 15 U.S. Code 1681c ( a ) ( 4 ). I request a review to ensure compliance with this statute.

Requested Action : Please provide me with the results of your investigation in writing, along with an updated copy of my credit report reflecting the removal of these accounts. Thank you for your prompt attention to this matter. I look forward to your positive resolution.
Product: Credit card

credit card and rewards are eliminated from my access from online banking and the app i have no access to either the cc data used for reimbursement they have refused to accept my calls and give any information in addition they have stolen my XXXX plus cash rewards monies and refuse to send them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

DEPTEDXXXX XXXX {$9000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00} DEPTEDXXXX XXXX {$6000.00} USDEPED XXXX {$34000.00} XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$2800.00} XXXX  XXXX {$2500.00} XXXX  XXXX {$990.00} XXXX  XXXX {$7100.00} USDEPED XXXX {$8200.00} XXXX XXXX {$480.00} XXXX  XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Mortgage

I received a short sale approval letter on XX/XX/XXXX, from my Lender PHH Mortgage Services. My loan Number is XXXX, during this time my real estate agent and I started to work on getting payoffs from the remaining outstanding liens that are on the title. I, unfortunately, have an extensive amount of judgments due to my XXXX XXXX XXXX as I am a XXXX man. In addition, PHH took an extensive amount of time to approve my short sale. I have been battling this with them since XXXX of last year XXXX. I had to get multiple appraisals done on my property and the most recent one was done back in XXXX. PHH took 30 + Days to finally approve the short sale after the appraisal had been submitted. Fast forward to XX/XX/XXXX, I submitted all necessary documents to PHH for them to approve for the closing on XX/XX/XXXX. Upon submission of all the documents, I also included the new buyer 's information as the previous buyer had backed out because PHH took too long to approve the short sale. The new buyer 's documents were submitted along with proof of funds and a settlement statement from the title company. The buyer had also sent the necessary funds to close the transaction to the title company. I notified PHH of this in writing on XX/XX/XXXX and XXXX XXXX. I also called PHH multiple times on the XXXX and XXXX of XX/XX/XXXX to try and get this approved for our closing on the XXXX. I was told I would receive a final answer and I also requested an extension just in case to avoid any issues with the closing. PHH failed to get back to me in time and gave me an appointment for XX/XX/XXXX at XXXX XXXX  the day of the closing only to tell me that I was denied the extension and have to restart the process all over again. This was extremely devastating as we had worked so hard to get to this point and had prepared everything for the closing. It is absurd to me why PHH could not have granted an extension to allow the closing to happen and help me avoid foreclosure instead of making this harder for me to redo everything all over again as I am a XXXX  citizen and this is ridiculously hard for me. I am now resubmitting all documents again to try and get this resolved and hope to XXXX PHH will not foreclose on me at no fault to me. They are horrible at reviewing documents and can not even talk to anyone that is here in America, everyone that you speak to in their company is in XXXX. They take over 5 days to review one simple document, and they have an extremely inefficient system, that only further damages the borrower's.hardship/situation.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX 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 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. 




DEPTEDXXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX DEPTEDXXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX DEPTEDXXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX DEPTEDXXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX DEPTEDXXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX DEPTEDXXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX DEPTEDXXXX  XXXX DATE OPENED : XX/XX/XXXX DEPTEDXXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX DEPTEDXXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to get my free credit report and freeze my credit report which Equifax has repeatedly denied. 

XXXX2020 I initially FAXED my Texas driver 's license and SSN card to Equifax as required after denying to issue my annual free credit report - their response was to send a denial letter stating I had to prove I had an old PO Box address my father used which was no longer valid. 

XXXX2020 After a second denial letter not allowing me to see my own credit report and not allowing me to freeze my report I sent a certified letter indicating my current correct mailing address on my Texas Voter Registration card issued by the Texas Secretary of State and my driver 's license as well. As stated in my letter I am refusing to send my SSN to Equifax again as every time I do I risk suffering ID theft like already happened to one of my family members.
Product: Credit reporting or other personal consumer reports

I had unusual charges on my capital one cc. I already filed a complaint that the company was not transparent with billing. They keep sending letters in other ppls names my credit card. I suspect fraud. But the keep charging interest without answering questions on the phone, charging interest over old charges I can't review. And sending mislabeled mail to me in others names. The previous complaint said company responded did not. There mixed up. Call than hang up. I've already tried in good faith to work with them. They just harrass and send mislabeled mail to Noone who lives here.