23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have an advocate that is trying to help me understand this process and also advising me on what I should do. Her name is XXXX XXXX her phone number is XXXX. You may also contact and send information to her about my situation. Her email is XXXX This is the second time I am writing you about this same situation in which they said they will fix it, but haven't yet. 

I spoke to Freedom Mortgage ( Loan # XXXX ) Manager ID # XXXX, on the XXXX of XXXX of XXXX. He assured me that he would send in a request to have all the penalties and late payment fees remove off of my record going back to XXXX, and file a credit dispute to remove the 'late payment report ' off my credit record by the XXXX of XXXX of this year. Since I was never late paying my mortgage and they have received the refund check back from XXXX County Tax Collector. Freedom Mortgage had been applying the Property Tax to my mortgage even though I have a written, notarized document from XXXX County Tax department stating that I have a Tax Deferral that is active as long as I am occupying the property. 
I started getting notice from Freedom Mortgage and Certified letters from XX/XX/XXXX until XX/XX/XXXX saying that I owe a mortgage payment of {$2200.00}. On this date XX/XX/XXXX, I immediately called Freedom Mortgage and talk to a lady named XXXX ID # XXXX, she look at my file and stated that it says that they will not go back to the year XXXX to remove the penalties and because I did not pay the full mortgage which included the property tax. I have been paying the full amount but without the taxes. I was not late paying my mortgage. Now that they have their money back from XXXX County, they are still trying to make me pay more including the taxes which they already have. They are still giving me the run-around with this issue and is not trying to straightening it out at all. I mention to XXXX that this sounds like a 'Law Suit ' to me, because you all have lied to my credit bureau and refuse to fix it and knowing that I am on a fix income of {$790.00}. per month, you are trying to drain every last penny that I get from me. That's when she said she would see what she can do to fix the problem. At this point I am getting another run-around. This has been going on since XXXX of XXXX and it is now XXXX of XXXX, and all I get from Freedom Mortgage is we will try and fix it. I am so tire of this and I can't get out from under them because they have mess up my credit so bad that I can't get refinance from any other company and they refuse to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1800.00} ), XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$5800.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name XXXX XXXX XXXX should not be on my credit report. I have never used that name. I want it removed from my credit history. 

Also, XXXX XXXX is appearing on my credit report and this creditor abandoned the account inXX/XX/XXXXthey stopped collecting payments from my bank account. Previously I had made payments monthly from XX/XX/XXXX to XX/XX/XXXX The balance history is also wrong. 

XXXX XXXX  and XXXX XXXX credit card services forgave my debt and issued me a 1099 for XX/XX/XXXX of the amounts forgiven. They need to remove the debt from my credit report T. 

Finally, my credit score dropped 21 points in one day even though I reduced my debt credit usage from 93 % to 77 % and have paid off a loan recently. I want my credit score restored. 

Also, the fraud charges of an XXXX credit card that I never received and never used are still showing up on my credit report. XXXX credit cards are operated by bank in Maryland called XXXX XXXX. This needs to be removed as well and my {$300.00} deposit refunded to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit union bank account, however, for some reason because of a Chexsystems report I was denied an account. Chexsystems has erroneous information on whatever report they have, which is causing me to not qualify for a bank account. Their report contains false and fraudulent information.
Product: Credit reporting or other personal consumer reports

This is to inform you that someone illegally reported fraudulent INQUIRIES to all three credit bureaus arising from IDENTITY THEFT that they did not verify as required by law on my consumer report. 15 USC 1681b ( c ) Furnishing Reports in Connection with Credit or Insurance Transactions Not Initiated by Consumer ( 3 ) Information about Inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction not initiated by a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted regional acceptance in writing explaining that the auto loan account was fraudulent on XX/XX/XXXX they wrote me back stating all identification and related documents matches the ID information on file which was not correct. During this transaction with XX/XX/XXXXthat was done in XXXX I was a tenant at XXXX XXXX XXXX XXXX NC XXXX. The addressXX/XX/XXXX XX/XX/XXXX had on file was XXXX XXXX XXXX XXXX NC XXXX ... Thats the address the used when financing was granted. I have contacted the credit bureau Agencies XX/XX/XXXXand Equifax to remove this Account from my credit file at the Earliest Possible Time
Product: Credit card or prepaid card

Copy of my latest letter to XXXX XXXX XXXX Customer Service ... ... .. 

Dear Lowes, I have always been faithful to pay my account balance on every debt I owe, including Lowes. However in XX/XX/2017 I purchased a refrigerator on my Lowes account ... it was not in stock so was delivered several weeks afterwards. It was defective and Lowes came back and picked it up several days later and was supposed to credit our account because we chose not to order a replacement at the time. I wasnt upset and I didnt blame Lowes. Sometimes manufacturing defects happen. 
Several months later my husband and I start getting a bill .... the extended warranty that we added was never refunded when the refrigerator was refunded. We have been to the local store numerous times to try to get this corrected and no one would help us. We were told different stories and excuses basically pushing this problem off on the credit card. We would be given a XXXX number to call and have called countless times and attempted to dispute the bill only to be cut off, put on hold, told it would be investigated, told it had been corrected and refunded ... etc etc .... never of which any calls resulted in the situation actually being corrected. Now I have a collections agency harassing me daily trying to collect and it is showing up on my credit report. 
I have talked to the collection agency, they say they can do nothing, tell me to call XXXX XXXX, so when I call XXXX XX/XX/XXXX they say this is now out of their hands and transfer me back to the collections agency. So round and round and round and round I go .... NO ONE will fix this. I am grown increasingly angry. I would certainly be glad to pay my balance in full as soon as the extended warranty charges and associated late fees and collections fees are removed from my account. However, I have yet to find one person to help. Can you please NOT give me another useless XXXX number to call and PLEASE either forward this to your CEO or to someone who can fix this.
Product: Credit reporting

I have submitted a number of requests to Experian to correct inaccurate information on my credit report and provided them with a copy of the credit report retrieved from their website as well as identification. The initial letter was ignored without response and the second request claimed to not be able to identify me and was addressed to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

They continue to block access to the online dispute system, I 've filed complaints with them in the past and they will remove it but then it will be placed again and wo n't allow me access.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : 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 or other personal consumer reports

I submitted a letter to the EXPERIAN bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

On XX/XX/2024 Copper announced closure of all XXXX XXXX XXXX accounts and froze access to my XXXX XXXX account which held over {$2000.00}. They have failed to transfer the amount to the linked bank account as they stated! It has been over a month and I fear that my XXXX XXXX money will not be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans are improperly reported, and reported without my consent. I wish to have them removed since the reporting itself is in direct conflict with the law.
Product: Student loan

Navient is reporting late payments on 9 accounts stating I was 90 days past due as of XX/XX/2016 when in fact I wasn't. They advised me that these late payments would be removed and it is still on my credit report.
Product: Credit reporting or other personal consumer reports

Some one signed up for XXXX under my name but with a different address but it wasnt me and I keep disputing it with experian but they keep denying me and leaving it on my credit report
Product: Checking or savings account

I tried to reach the bank today XX/XX/XXXX by phone, to open a disput on 2 transactions made with my debit card. Was impossible to speak with a representative, long time waiting. 
I need to dispute these 2 transactions for merchandize not received. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} It was 2 smartphones XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}, it was a smartphone XXXX XXXX XXXX XXXX XXXX Both purchases must be delivered on or before XX/XX/, I tried to contact the merchant on XX/XX/XXXX by phone and contact webpage form. Nobody answered.
Product: Credit reporting or other personal consumer reports

I am writing to convey my DISSATISFACTION with your recent assertions regarding my accounts. I hereby CONTEST THESE CLAIMS DUE TO THE ABSENCE OF SUBSTANTIAL FACTUAL EVIDENCE TO SUBSTANTIATE YOUR ALLEGATIONS. Therefore, I strongly urge you to promptly COMMENCE A COMPREHENSIVE INVESTIGATION INTO THESE MATTERS WITHOUT DELAY. These claims have cast a significant cloud over my financial status and have the potential to inflict substantial harm on my creditworthiness. It is crucial that we expediently and accurately resolve this situation to prevent further adverse consequences. XXXX XXXX XXXX. Please delete this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I am writing because i received a letter that says that someone is trying to dispute in my behalf. Please be assured that it was I who processed my CFPB report. I hope you do something about it and help me out with my concern.
Product: Debt collection

I have received continued calls from Portfolio Recovery - 1 call on a daily basis and calling from XXXX numbers and local spoofing using my area code XXXX numbers. I have advised previously to stop all calls and I currently have no open collection account from them.
Product: Debt collection

A few months I sent Diversified Consultnts a letter stating I never received any info notifying me about the debt. I understand that I have 30 days to dispute their claims. I sent a letter asking them to validate the debt. 

To Whom it may concern, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. The proof initial letter was sent notifying me of the debt. 
2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed. 
6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

9.. Proof that you either own or were assigned the debt from the creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters. 

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

XXXX XXXX has been in constant violation of the FCRA. They have reported a credit card account to my credit report that is a result of fraud and I claim no responsibility to. Not only that but they have maliciously and intentionally been reporting incorrect data. After being made aware of the account I requested it be closed in XXXX. XXXX XXXX has been maliciously defaming me and my credit by reporting data thats is not correct they have reported data as 30 days, 30 days, 30, days, 60 days and 90 days. Which is incorrect reporting. XXXX XXXX has failed to send debt validation as well. All credit bureaus are aware of these violations. 
Reporting Act ( " FCRA '' ), 15 U.S.C. 1681, et seq., or for violations of the California Consumer Credit Reporting Agencies Act ( " CCRAA : ), Cal. Civ. Code 1785.1, et seq.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were working with XXXX XXXX XXXX on a car loan that we fell behind on. It was no more than 60 days behind and we were working with our account manager to make up the payments and make sure it did not get repossessed. We had a series of payments setup so that we can make the current payment plus the past due payment. 

Well days before the next payment was scheduled to be taken out, which was scheduled by XXXX themselves, the vehicle got repossessed. 

We then went in to the bank the next day to pay the past due amount plus all the towing, vehicle storage, and bank fees that were accumulated due to XXXX not keeping their word. 

This should have never happened as we setup an agreement with the bank to ensure this situation would not happen. 

We have attempted to verify this in writing through the credit bureaus, but they have not provided us with any sort of breach of contract that would have resulted in a repossession ; and they are reporting it incorrectly.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been reported as a Loss by Credit Grantor and a 1099-C form should have been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be legally verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to legally verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit card or prepaid card

My mastercard from citicards was hacked around the end of XXXX. I am travelling overseas and requested a new card to be sent to me. Citicards sent a new card but forgot to add the street number. I gave them the complete address again but instead of delivery the card it was returned to the sender. Then I requested a new card to be sent to the same address overseas however they sent the card to my address is XXXX, Florida. 
When I found out requested them to send another card to my address in XXXX. I explained that due to the pandemic of the coronavirus I don't know when I will be able to return to USA. Citicards sent this third card by regular US Mail rather then sending via XXXX as they had told. It will take months before I receive this card. 
So now I have been trying to get another card sent but the phone numbers I have been calling say to call a later time or simply hangs up. 
I am very disappointed with citicards customer service.
Product: Credit reporting or other personal consumer reports

Improper reporting on my credit profile. Thats, creating a hardship.
Product: Checking or savings account

I am a member of this bank with member number XXXX ... My account was frozen for the past 4 weeks ... I was asked to submit verification documents which I already did. Whoever is in charge has been making it his personal mission to frustrate me. I do believe that this is a deliberate attempt to make me suffer. I have money for my business and bills in the account. I submitted all original documents I was asked for but it seems i am being pushed around and taken for granted. I don't have my SSN card which isn't unusual for some Americans. I have provided a picture of my Driver 's license, passport, W2, form 1040, Electricity bill, IRS tax notice. I have all physical proof of this documents and is willing to do a video call to show whoever is in charge to unfreeze my account. I need my money and its a matter of life and XXXX for me.. I believe someone might see this and definitely help me out. My unemployment benefits are deposited into the account along with direct deposit transfer from my VA debit card.. If they won't let me use my account anymore with PenFed, I should be able to get my balance through a check and have the account closed down. I have not done anything wrong while being a member. 
This is a plea from a lonely old woman who don't want to become homeless because someone wants to play XXXX
Product: Debt collection

Last year in XXXX I was notified of a XXXX $ debt owed to XXXX. It was my fault. I thought the bill was on auto pay and never looked at my statements. ( The account is services by XXXX card holder services ). 

ARS debt collection agency was servicing the debt Their address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

The representative I spoke with asked for an initial payment of XXXX {$200.00} dollars. They also set up a monthly payment that would automatically be debited from my checking account each month for {$71.00} until the total debt was payed off. 

In XXXX of this year, the final debit for the remaining balance of {$33.00} was taken from the account. These transfers were automatic, and initiated from ARS, not me. 

2 months later, I received a new bill from XXXX showing I owed {$140.00} + {$86.00} in late charges - all from the original debt. 

When speaking to representatives from ARS, they explained that the details of the repayment agreement were no longer available on my account, and they could only see that I was sending them payments for XXXX $ a month. 

The representative said if I paid the {$140.00}, they could waive the {$86.00} late fees. I paid the XXXX $ on the phone with them ( XX/XX/2020 ). 

I was then billed for the remaining XXXX XXXX which was supposed to be waived ( as they explained to me ). After speaking with two representatives today ( XXXX XXXX and XXXX XXXX ), they said there is no record of the XXXX $ being waived, and the company does not even have the authority to do that. 

All Ive been trying to do for the past year is pay off this debt! Every conversation with ARS is recorded ( by ARS ), they are a debt collection agency, so should be keeping records of payment agreements. 

Ive been getting harassed by them, and every time I try and pay the debt down FULLY, they go ahead and pull something shady.
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. 

XXXX XXXX XXXX XXXX XXXX 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 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 of 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

I had 2 accounts with this company. I requested to have both accounts closed on XX/XX/2021, however, the company only closed one account while the other remained open. With the company sleeping one account opened, they incorrectly reported a 30-day delinquency on my report. I have called the company and was told that they would send an update to all 3 credit bureaus to update the account as closed and with no delinquencies. 

The company reported the accounts as closed, however, the delinquency remains on my report and this delinquency is preventing me from maintaining my home loan preapproval and I need it corrected IMMEDIATELY.