23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Freedom Mortgage listed my account as being delinquent and threatened me with foreclosure, Freedom sent me documentation stating as such. 
However I have NEVER been late on my Mortgage payments. So on XX/XX/XXXX, I called and spoke with a Freedom Mortgage Account Representative named XXXX, and XXXX and I discussed my situation. XXXX admitted that Freedom Mortgage made a mistake. XXXX promised me that she would correct the issue with my Credit report as it was being negatively effected by Freedom Mortgage 's INCORRECT listing of my mortgage payments. After further consideration I realized that Freedom Mortgage 's inaccurate account of my mortgage account has negatively effected my credit report. So I called in again and spoke with XXXX, a supervisor on XX/XX/XXXX and she informed me that it takes approximately 10 days for my credit profile to be updated with the correct information. However, it was never updated. On XX/XX/XXXX I spoke with XXXX of Freedom Mortgage and he transferred me to XXXX, employee number XXXX who promised me that he would rectify my credit stating that I have never been late which would restore my credit scores. However as of today, XX/XX/XXXX this situation has not been rectified. Due to this, my XXXX XXXX has increased, my home owners has increased and my anxiety level has increased due to me having to pay more due to a mistake made by FREEDOM MORTGAGE. If FREEDOM MORTGAGE would have never made the mistake, then my credit scores would have never been negatively effected. As promised by XXXX, I was to receive a follow-up letter from Freedom Mortgage stating that the discrepancy was a result of Freedom Mortgage and that any and all negative information put out by FREEDOM MORTGAGE would be corrected by FREEDOM MORTGAGE and any and all negative information created by FREEDOM MORTGAGE would be corrected ergo Mr. XXXX XXXX would not suffer from adverse information that was put into circulation by FREEDOM MORTGAGE. A letter that was provided, XX/XX/XXXX was not sufficient as it did not correct the discrepancy nor did it rectify the damage that was already created by the initial discrepancy. 

Please assist me in rectifying this issue. Thank you!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX i sent in disputes against many inacuracies i have spotted. Under 15 USC 605b there was also fraud accounts. I am seeking litigation against these companies and i want to see the original contract these " collectors '' are claiming 15 usc 1681a. The bureaus have taken longer than 30 days and is affecting and violating my rights and freedom as i am looking to purchase property.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 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- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

15 USC 1681 Section 602 A states- I have the right to privacy.

15 USC 1681 604 A Section 2 states- a consumer reporting agency can not furnish an account without my written information.

15 USC 1681c ( a ) ( 5 ) section - No consumer may make a consumer report containing any of the following items of information. Any adverse item of information other then records of convictions.
Product: Money transfer, virtual currency, or money service

I have had friends and family send me money via XXXX to my Wells Fargo account. Wells Fargo is stating they dont know when they will release the funds.
Product: Student loan

to be completely honest, I have no idea how this happened to me. Before I went away to college I allowed my parents to basically finance me through everything and now I regret it. They have put me in a huge debt and it feels like a huge slap in the face because I have no way of paying off these loans. I was legitimately unaware of all of these until a few weeks ago. All I want is help. My parents obviously did n't help me and now I feel lost and confused. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Demanding All Inquires Be Removed
Product: Credit reporting

Please remove the following accounts from my report as they do not belong to me. I have been on the phone with your company and went over my name and address. Please remove the following accounts from my report : Closed Accounts Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$2000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX {$0.00} 120+ DAYS PAST DUE XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$14000.00} XXXX/XXXX/XXXX {$14000.00} CHARGE-OFF {$13000.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$1000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$0.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : XXXX Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$440.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes - reinvestigation in progress XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Banking Creditor Name : XXXX XXXX ITS A Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$380.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX
Product: Vehicle loan or lease

Account name WELLS FARGO AUTO Account number XXXX To whom it may concern, I have attempted to reach wells fargo about this account several times. 
Payments were attempted before ( when I was only one payment behind ) and after repossession and they wouldnt accept anything other than the full $ XXXX balance due. When asked who had {$40000.00} laying around to pay off at once, they basically said it wasnt their issue and they would only accept full balance. At that point, I told them to come get the car because I couldnt afford {$40000.00}. Once repossessed, I attempted to contact them multiple times about the balance due, proof it had been sold and what it was sold for, etc. and to this day have never gotten anything from them. 
Wells Fargo was part of a lawsuit in 2022 for violating federal consumer laws and auto loans were part of this lawsuit. 
Wells Fargo XXXX Entitled To Billions In Settlement XXXX XXXX
Product: Student loan

I spoke with XXXX at Delta Management Associates in regard to the refund checks owed to me due to the CARES Act. She was not able to provide any information about the refund checks in terms of when they would be printed, when they would be mailed or an estimated time of arrival. After several days and several phone calls, XXXX mentioned her supervisor XXXX XXXX was either not in the office or was leaving the office early everyday, so she was not able to get any information from him about the refund checks. 

XXXX and XXXX both refer calls to Delta Management Associates for questions in regard to refund checks yet Delta Management Associates has their head up their XXXX and is unable to provide any information.
Product: Mortgage

I am very upset of the way Seterus has handle my loan. I summited a complete modification packet since XXXX/XXXX/XXXX. I spoke with Agent XXXX XXXX on XXXX/XXXX/XXXX and she had verify that my documents were received and that my file was going to be summited to the under writer for review. However that did not happended they keep prolonging my loan and now I have an active sale date for XXXX XXXX, XXXX. I had to fight with different agents and everytime I called there were no new notes. This is really frustrated becaus I do not want my house to sale. I had to even reach out to my investor to make sure this time Seterus reviews my loan based on my current income. My home is severely under water and my investor XXXX he participates in The XXXX XXXX Modification. Also they started to offer principle forgiveness. Therefore I am hoping that my loan can be review for all the workout options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the Experian and with the creditors the referred accounts, and requested proof of consumer contract or proof of debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

XXXX Acct XXXX XXXX responded to my request that no documentation was available. 

XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX did not respond to my request. 

XX/XX/XXXXXX/XX/XXXX XXXX Responded that they were not able to send proof. 

Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have didputed these accounts with Experian and they always respond that the creditors " VERIFIED '' the account. 

I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF LATE PAYMENTS. NO PROOF IS EVER PRESENTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove invalid creditors from my credit report which has decreased my credit score the creditors in my credit report not mine and has been placed on my acount incorrectly and invlid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. Inquiries
Product: Payday loan, title loan, or personal loan

RE : 149 % Loan Interest/NetCredit Mr . XXXX XXXX, I acquired a loan of {$2000.00}, ( Loan # : XXXX ), with NetCredit on XX/XX/2019, at the time I had " 3 '' major catastrophes within a year. I contacted your company thru an email referral from my mortgage company, XXXX XXXX. Given the exorbitant interest rate of 149 % I ultimately completed and returned your documents in hopes that a financial opportunity would present itself shortly ... it did not. To date I have made " 9 '' payments at {$260.00} ( monthly ) for 9 months, a total of {$2400.00}, making my interest rate 46.308 %. Even this seems to be a usury amount. 
I filed a complaint with the attorney general 's office ( in Alabama ) and you responded with a letter. To summarize your letter from my reading it states " she knew what she was getting into when she took out the loan ''. It sounds like " loan sharking '' to me. I really did not think the state of Alabama would allow such usury financial practices in our state which is why I opened a complaint with the attorney general. 
Given the response from the attorney general, my remedy is to contact an attorney, which I plan to do this week. I am writing this letter as a complaint to your company but also as a notice to political agencies who may be unaware of your business practices in Alabama.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : 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 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 Listed below are the Personal Infor As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I was hospitalized and forgot to inform them of this and now I have this large bill
Product: Checking or savings account

I never got my direct deposit from Capital One, and they said it would be fixed ages ago, but they haven't
Product: Debt collection

AFNI is trying to collect a debt they bought from XXXX and they are not licensed to operate in my state.
Product: Debt collection

Right now I am trying to fix my credit and as we went through my items in there I do not recognize any of the things on this particular claim. I have lost my wallet with all of my identification in it and I have put things in my credit that I am not proud of but I have no recollection of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 

1.XXXX  XX/XX/2021 2XXXX XX/XX/2021
Product: Credit card

I received a statement in the mail for a Target XXXX XXXX, saying I have a line of credit with them with a limit of {$5000.00}. I never applied for this line of credit, and I almost never shop at Target. The statement also states I have a negative balance of {$190.00}, for a purchase made on XX/XX/2024. I did not make this purchase. I called the Card Services number on the statement and spoke with representatives about my dispute. They closed the account and marked it as fraud. They told me I need to fill out a survey and mail it to them with a copy of my ID. I also filed disputes with XXXX, XXXX, and XXXX. There was also a phone number I did not recognize on my report, and I filed a dispute on that as well.
Product: Mortgage

I was approved for a Loan Modification fixed rate for ear term, effective XX/XX/XXXX. My pmt changes monthly and their web portal says I have an ARM that will change XX/XX/XXXX. I sent in a message with a copy of the Loan Mod asking for the correction and why I was being charged monthly for foreclosure fees. They replied it is an ARM with a change date of XX/XX/XXXX. Never answered my other question or looked at the Loan Modification.
Product: Checking or savings account

Once again, I write to complain about the intolerable dysfunction of my checking account at JP Morgan which is not being serviced in any reasonable manner. Numerous previous CFPB complaints about the same and related issues have resulted in no discernible difference using this account. 

Today I tried again to make a small test payment with XXXX from this checking account. And again, I was blocked from doing so. Specifically, prompts within online banking initially claimed that there was no cell phone listed in my profile information, despite the fact that one was already listed and had been entered weeks ago. I then entered the same cell phone number that JP Morgan already had and the same non-sensical message indicated that the cell phone number entered was not a cell phone number. As previously reported, I am blocked from using XXXX while it has been advertised as a service on the account for months to years. 

After determining that the cell phone number that JP Morgan already had and that I re-entered was not recognized as a cell phone number by JP Morgan, thus preventing me from being able to use XXXX, the other joint owner on this account tried to send {$1.00} to the same family member through XXXX. Although the {$1.00} test XXXX payment that we were trying to send to the recipient was deducted from the checking account, within minutes, it was credited back to the account. In addition, it showed that the money had been sent to the wrong bank rather than to the correct one. Not surprisingly, the default, incorrect bank was Chase. 

In multiple ways, two joint owners of this account were again blocked from transferring their money through XXXX, blocked from entering accurate information for an outside receiving bank, denied the widely advertised service of using XXXX, and generally blocked from transferring any money outside of JP Morgan and its minions of related institutions. 

The pattern of repeatedly dysfunctional interference with all electronic transfers of funds is that JP Morgan is unreasonably preventing money from leaving its holdings through any means. I have reported similar interferences with other kinds of electronic transfers of funds. This pattern is similar to another one characteristic of JP Morgan Chase : the quick posting of debits to credit card accounts while taking, twice, three-times or even longer to post credits. There is widespread evidence of JP Morgan generally hoarding funds owned by its customers and refusing to release them for any number of reasons. 

Finally, we know that the would-be recipient of these XXXX payments, a family member, never got any notification from XXXX or JP Morgan on his cell phone, providing more evidence that the payment is being stopped for illicit reasons by JP Morgan.
Product: Debt collection

I was renting an apt from XXXX XXXX XXXX. There was a discrepancy with one of my rent payments while I was out of the country. To summarize, owner attempted to get me evicted. I had to retain a lawyer, we had to sign an agreed stipulation for amount owed, vacancy date etc. Everything was done as agreed, and this paperwork was approved by XXXX County State Court. Six months later, I started receiving phone calls from a debt collection agency advising I owed over 2k in  outstanding rent. I explained the situation and provided case number, but calls did not stop and I came to find out later that this inaccurate information ended on my credit report and has affected terribly. I am still vigorously fighting with the credit bureaus to get this removed. I have submitted multiple disputes through the credit bureau submitting the paperwork and they state that National Credit Systems keeps verifying account as accurate. I have worked very hard to try and maintain my credit up to par and this atrocity has caused me more stress than I ever Imagined.
Product: Debt collection

Macys/citi bank credit card company XX/XX/XXXX  closed my account for the amount of XXXX . The amount was paid in store and my account was still closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

YOUR COMPLAINT Dear Consumer Financial Protection Bureau, I am writing to dispute and request validation for several items on my transunion and companies on credit report. I am a real person with no help, which is why I am here again. 


I have experienced difficulties in accessing my report, and upon successful access, the information provided seems inaccurate. 


Enclosed is a dispute letter addressed to Transunion, outlining my concerns and the specific details I am seeking for each account. I have previously sent this letter to Transunion multiple times without receiving any response. 


The list of accounts in dispute is as follows : 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 Plus, my personal information, such as too many names on my account and a lot of addresses when I only have one, and the fact that there are still a bunch of phone numbers that should be no phone numbers, is still wrong. Thank you for your attention to this matter I kindly request your assistance in facilitating a resolution with Transunion and ensuring that the necessary investigations are conducted. Please see the attached dispute letter for your reference.