23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2022, I received a phone call from what I believed was Freedom Mortgage. The call was received from the customer phone number on all my documents. The person on the phone new a lot of my information and informed me that they could help with a lowering my payments for my mortgage and helping to get back on track with my mortgage payments. They offered a loan modification and said that my Payments would not be at {$1200.00}. I was very excited. 

They then asked me for an upfront payment of {$710.00} to start the process and I proceeded to give them my debit card number. I did not realize it was a scam until they said that they could not process my card, it declined. Probably due to my missed payments and then proceeded to ask me for the amount in a money order. 

This is when I got suspicious cause as I said earlier the phone call came from the number I have saved to my phone from Freedom Mortgage. 

The guy then said I could call him back when I was received the money order. 
XXXX XXXX and XXXX was the two names he gave me phone number ( XXXX ) XXXX is the phone number provided to me to call back. 

I never did do the money order and also called my bank to close and get a new debit card. 

I then called Freedom Mortgage using the same number and informed them of what happened and all they said was that it was not them.
Product: Student loan

I was requesting under the freedom of Information act the contact person that is on my credit report XXXX XXXX, that is employed with Nelnet. Nelnet has denied me that information. I am cover with a Surety Bond that has paid off my student loans that has defaulted. And therefore my debit was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Equifax and XXXX  Credit Bureaus.I have verifiable proof from the agency ( Attorney General Texas XXXX XXXX Account number # XXXX ) reporting info. And it is opposite of what Equifax is reporting. Equifax is Reporting my account over 180 days late as is XXXX. Equifax says they verified it, but there is no way. the same is true of XXXX. I have submitted documented proof admissible in a court of law showing all my payments have been up to date. They must correct this info or delete the derogatory info. It has hurt my ability to obtain credit. I have filed complaint with Equifax 3 times online always getting answer verified. And 2 times written to Equifax with the same answer. This is false info. I have submitted all documents proving my case. Please help me as this info they are reporting for Attorney General XXXX XXXX account # XXXX is totally false. I am attaching all documents for you to see. I have asked over in over to correct it or delete it from my reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I fell victim to fraud. I had received a text asking if I approved a {$5000.00} wire transfer. I then said no. Someone then called me pretending to be a representative from Chase and asking for the one time code that was sent to my phone to stop the wire transfer. Not ever having done a wire transfer I did not know I was not supposed to give the code out there for giving them access to my account to send themselves money. I have filed a complaint with Chase and they denied the claim because it came directly from my account because I technically gave them access without knowing that it was not a real representative. I also have filed a report with the FBI and they said that also was not enough. The amount was for {$2500.00} but after processing fees it was XXXX. I have never made a wire transfer the whole time I banked with the institution, nor have I ever made a payment to the recipient. They said they know its fraud but because I gave them access unknowingly, there was nothing that can be done. I have called and checked in 3-4 times out of the week for an update & as of today somebody from corporate said even with the FBI report XXXX most likely will not be getting it back.
Product: Student loan

I have my student loans through EdFinancial. I have had this exact issue I am now describing in the Fall of last year. I have made payments to my student loans, but they have not been posted to my account, and EdFinancial still accrues interest on my loans, even though I've paid them in full. I've dealt with this issue, as I've mentioned, and they only fixed my reflected balance after days of contacting them and proving I made the payment. This is illegal and unbelievable. My checking account was debited on XX/XX/2024, for {$3500.00}, which was my full account balance. My balance should be at {$0.00} now.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Vehicle loan or lease

My husband and I have gone to XXXX and are leasing a vehicle, due to my husbands declining health he has been hospitalized and placed in rehabilitation several times. This time is for falling and breaking a hip. As you know hes income is our household income and this has changed, for his medical care. I receive social security once a month and its only enough to pay some of the household bills. Bridgecrest has denied lowering our payment on several occassions, they have stated they cant do it, but their a finance company. We just dont understand this. We would greatly appreciate it if someone could give us more information on what or who we can reach to help us out with this. 
Thank you
Product: Credit reporting or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account Name : CITI Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX  ( Original Creditor : 01 SYNCHRONY BANK ) Account Number : XXXX Reason : Unverified account
Product: Credit card or prepaid card

It was agreed that Synchrony Bank would send me a courtesy email 30 days before the promotional period would end allowing me to pay off the balance before the promotional period end to avid the interest accumulated. They did not send the email. As I explained, I do not have access to view the statements online because of limited internet service in my area.They added over {$600.00} in interest on an account I have been faithfully paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX HAS NOT BEEN UPDATING MY XXXX CREDIT REPORT AT ALL. IVE BEEN DISPUTING THIS ACCOUNT SINCE XX/XX/XXXX AND EVERY TIME THEY COME BACK WITH THE SAME ANSWER ON THE COMPLAIN. XXXX DOESNT REVIEW OR USED THE DOCUMENTS THAT YOU SEND IN AS YOUR WAY OF DISPUTING THE ACCOUNT. THEY CLAIM THEY DO A THROUGH INVESTIGATION ON ONES DISPUTE BUT I DONT BELIEVE THEY DO. I HAVE DOCUMENTS THAT SUPPORTS MY CLAIM ON WHY THEY DONT. ON XX/XX/XXXX I SENT IN A DISPUTE WITH XXXX ONLINE AND THE FILE NUMBER IS XXXX. I DISPUTE THE BALANCE ON THE ACCOUNT AND IT SHOWED THE ACCOUNT STATIC AS BEING OPEN. I RECEIVED DOCUMENTS FROM XXXX XXXX THAT SHOWED MY PAYMENT HISTORY ON THE ACCOUNT. THAT SHOWED MY FIRST PAYMENT ON THE ACCOUNT WAS MADE IN XX/XX/XXXX AND MY LAST PAYMENT THAT THEY RECEIVED WAS XX/XX/XXXX WHEN I TRADE MY CAR IN AND THE DEALER SENT IN A CHECK IN XXXX THAT PAYED OFF THE CAR.. SO ON MY CREDIT REPORT IS SHOULD SHOW 15 PAYMENTS ON THE ACCOUNT WHICH IT DIDNT SHOW. SECOND THE BALANCE SHOULD BE ZERO AND NOT REPORTING ANY BALANCE WHICH IT SHOWED ON MY REPORT. FINALLY IT SHOULD SHOW CLOSED AS PAY AS AGREE INSTEAD OF SHOWING OPEN WITH A BALANCE. I CALLED XXXX AND THEY STATED THAT THE ACCOUNT WAS DELETE WHICH I INFORM THEM THAT THE ACCOUNT SHOULD OF BEEN UPDATED AS CLOSE PAY IN FULL. I WAS INFORM THAT I WOULD HAVE TO GET IN TOUCH WITH XXXX XXXX ABOUT THIS. AWHILE BACK I RAN WITH THE SAME ISSUE ON MY XXXX XXXX CREDIT REPORT AND YES THE ACCOUNT WAS DELETE AND WITH THE SAME RESPONSE FROM XXXX XXXX THEY DIDNT DELETE THE ACCOUNT BUT WOULD LOOK INTO IT. I TALKED TO XXXX XXXX FROM XXXX XXXX AND THAT WHEN SHE SAID I WOULD NEED TO SEND A LETTER THAT STATE THAT I WANT THE ACCOUNT REINSERTED BACK ON MY CREDIT REPORT WHICH IT HAS BEEN BUT ON THAT REPORT IT REPORTING BALNCE WHICH IT NEEDS TO BE UPDATED AS CLOSE PAY AS AGREE NO BALANCE. I SENT AND I CALLED XXXX XXXX AND I SENT HER EMAIL ABOUT THIS AND SHE SENT ME EMAIL BACK STATING THAT THE ACCOUNT WAS DELETE. SO WHY WAS THE ACCOUNT DELETE AND WE RAN IN THIS SAME ISSUE ON MY OTHER REPORT. I DIDNT ASK TO HAVE THIS ACCOUNT DELETE I WANTED THIS ACCOUNT UPDATED AS CLOSED, PAY AS AGREE WITH ZERO BALANCE AND MY PAYMENT HISTORY REFLEXING FROM TIME OF THE LOAN WHEN IT WAS PAYED OFF. IT TIME FOR XXXX XXXX TO START TAKING RESPONSIBILTY ON THIS ISSUE. AND YES EQUIFAX ALSO. DATE OF LAST PAYMENT ON THIS ACCOUNT SHOULD BE XX/XX/XXXX THAT IS WHAT IS STATE ON MY XXXX HISTORY OR PAYMENT HISTORY FROM XXXX XXXX. EQUIFAX DATE OF LAST ACTIVITY IS WRONG AND I HAVE DISPUTE THIS TIME AND TIME. IT SHOULD SHOW AS DATE OF LAST PAYMNET WHICH IS XX/XX/XXXX NOT XX/XX/XXXX AND EVERY TIME I DISPUTE THIS EQUIFAX IS ALLOWING XXXX XXXX TO PUT IN ACCURATE INFORMATION ON MY CREDIT REPORT WITH OUT CHECKING VERIFYING THE DOCUMENT THAT I SENT IN. WHEN YOU LOOK AT THE PAYMENT HISTORY DATE OF LAST ACTIVITY SHOULD BE THE SAME AS DATE OF LAST PAYMENT. WITH PUTTING WRONG INFORMATION ON ONES CREDIT REPORT ARE YOU AWARE YOU CAN LOWER SOMEONE CREDIT SCORE.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX XXXX  and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

These companies have taken a tax break on an account and never sent me a 1099C but have reported on my report write-off profit loss. I'm trying to see how they are able to keep negatively impacting me when they already wrote the charge off to the IRS but are still reporting I owe this even though they took a tax break. Multiple companies have done this to me and charged off for almost 2 years but still have not updated the reporting correctly and as a single mom, this is really affecting me when it should not. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a home equity line of credit through Wells Fargo Bank. I got behind on my payments due to an imposed retirement from my job after 29-1/2 years. I am really surprised at how aggressive Wells Fargo  has been considering that they are a second lien ( I have a primary mortgage with  XXXX   XXXX   )  on a house that realtors tells us is already " underwater '', that is we already owe more on the house than what it 's worth on the market.  <P/> On  XXXX   XXXX  , 2017, Wells Fargo had  Substitute Trustee Sale of the property for $  XXXX . This is only a fraction of what the property is worth. We tried to p ay Wells Fargo our  delinquent payments, but they refused to accept.  <P/> There is something seriously predatory about this practice!
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware that my Equifax credit score fell 32 points. The report update provided online indicated that it was because a XXXX XXXX  XXXX account was closed between XX/XX/XXXX and XX/XX/XXXX. I panicked and confirmed with the bank that no accounts were closed ( and I have no credit cards with this bank ). I did realize that around that time, my debit card was updated with a new expiration date into XX/XX/XXXX but the account info/numbers etc were not changed. The bank says this is an account update not a closure. 
I logged into Equifax, providing all my personal information and filed a dispute. Within days I got an email saying I could view the results by clicking on a link provided - I did, once again providing all my personal information to log in. It said that it could not show me the results and to call XXXX XXXX XXXX The people at Equifax ( and I have called 3X to confirm this ) say - they can't provide me with the dispute resolution UNTIL I provide them by fax or snail mail - a copy of my Drivers License, my Social Security card and my passport. I have no intentions of sending anyone these items. And they repeat they will or can not give me the results of my dispute any other way. 
I can log into my account with all of my personal information and answer questions about my life 's history, but they will not let me view any dispute resolution results. 
HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report a public records item that their public records vendor ( XXXX ) has removed as of XX/XX/2018. This is a violation of the FCRA. I request this item be removed pending the obvious outcome of the investigation. I have provided proof from XXXX included in the communication.
Product: Credit reporting or other personal consumer reports

I recently got a copy of my credit report and noticed several inaccuracies and unauthorized accounts reporting to my credit report.
Product: Credit card or prepaid card

This complaint is for the American Express XXXX XXXX XXXX card. The issue was I never received the welcome offer for the card. Which was the primary reason for getting the card as it has a high annual fee. I contacted chat and they said I didnt have the offer available to me due to having Amex cards in the past. Then I got transferred to a supervisor and they said I declined it via prompt when signing up for the card. I am not sure if there was an issue with my computer but I dont remember a prompt and would not have signed up for the card if I knew I wasnt going to get the promo. I did receive a document about the promo in the mail so I figured everything was ok. But when I asked about where Im at for getting the promo they said I wasnt eligible. I would have like a communication sent of saying I declined the welcome offer or something indicating I was eligible for it. That way I wouldnt be purposely spending thousands on the card trying to hit the XXXX in 3 months to get the offer. As I would have gotten better use using other cards. I think the lack of communication about not being eligible except for a prompt that came up when there were mixed in with other prompts is not enough ( per manager ) .I just want to ensure this doesnt happen to others as the card does have a high annual fee of XXXX.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

This is not filed by Credit Repair Company and this is not a DUPLICATE report. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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. 


1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX  XXXX Account # XXXX 4. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX 6. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 7. Account Name : XXXX Account # XXXX
Product: Debt collection

I contacted the lawyer XXXX XXXX representing XXXX who had purchased an existing loan of mine from XXXX XXXX when I was served on XXXX/XXXX/15 for an old loan. I was told they would sue me if I did n't come to an arrangement. I agreed to make payments with them under the condition they would remove the balance off my credit report as I made payments. In XX/XX/XXXX 2015 I pulled my credit report and noticed that the original balance and the ending balance were still the same. I called to confront the Apothaker office and asked why they had n't reported to my credit. Their response was that they never agreed to that. I asked if they recorded all conversations and they said they did. I then asked them to play back the original conversation from XXXX and they refused. I hung up, called my wife and she then called Apothaker the same say asking about the recorded conversation. They refused to play it for her as well, she asked to speak with the manager and after an hour she was transferred to " The owner '' of the company. The " Owner '' apologized to my wife about the fact that someone agreed to remove that from the report. My wife called me back to fill me in and at that point I called Apothaker and told them they were not authorized to take money from my bank account anymore because they violated the agreement. I received a nasty phone call from them a week XXXX later threatening to sue me and I could n't not pay them. Last Week on the XXXX I received a writ of execution in the mail saying they were going to seize my property. I was confused by this because I never knew I had lost a lawsuit because they told me the previous year if I made payments I did n't need to worry about a lawsuit. I contacted a lawyer and he recommended that I file a complaint with your organization. He also stated that had I contacted him last year that I never would have had to pay them in the first place because they 're a predatory company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I thought a payment was on autopay for XXXX but was wrong. I caught the error almost in time and called XXXX to pay off the full amount. At this time it had not been reported to the beuerues and the rep told me if I ended up hitting my credit to call to have it removed. I called both XXXX and XXXX and the account still indicates a 30 day late payment. This dropped my score close to XXXX points and I don't know what else to do but file a complaint here. My credit payment history is not a liability and now my report is showing multiple missed payments and that is not true. Please help me get this removed so I can continue making true progress in managing my finances well.
Product: Credit reporting or other personal consumer reports

XXXX- {$1500.00} on XX/XX/year> Item was found to be inaccurate and was removed from XXXX XXXX but Experian and XXXX refused removal
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX AND XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX ) XXXX Balance {$720.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX.