23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

For about XXXX6 years I have had multiple accounts with Conns XXXX XXXX. NEVER once have I ever missed a payment on any of my accounts during all these years. In XXXX 2015 I was late due to holidays and financial struggles. I am at the time in my life to become a first time home buyer and live the american dream. The 30 day late from conns reporting is preventing me from getting special programs i can be eligble to become a homeowner. I submitted a request for a goodwill adjustment to remove the negative reporting due to me being such a good customer out of all these years and having only XXXX late. I really want to become a homeowner and am requesting they remove this XXXXlate payment from credit reporting to all XXXX credit agencys. I am a good customer and deserve this.
Product: Mortgage

I have a mortgage loan from Freedom Mortgage. I received an unexpected call from Freedom Mortgage XXXX XXXXXXXX XXXX XXXX. XXXX XXXX. He had advised that Freedom Mortgage was the proactively offering me a refinance offer due lower rates with FHA and that it wouldnt cost me anything, and with no closing costs. I told him this all sounds great but it sounds too good to be true. He said they were offering this so I wouldnt refinance anywhere else. That night I went through all of the paperwork and signed the okay. Two-three days later I receive a document requesting that I sign an agreement approve an increased loan amount. I did not sign as it was a redflag to me. After trying to get a hold of XXXX XXXX via email and my credit personal loan phone for a few days, he finally answers from my work number. I address my concern and he tells me that at the time of closing, the numbers will make sense again. The closing documents will reflect what he had told me in the original call. He tells me I dont have to sign this new document. I hang up and decide just to play it by ear. A few days pass again and I get a notification that its time for closing and I receive another document ( estimated closing cost ). Again nothing matches what he says. After several more emails and calls go unanswered, XXXX XXXX calls me back. His name is XXXX XXXX. XXXX acknowledges that he reviewed the calls that I had with XXXX and that he had misinformed me but it was just a simple oversight. I point out that XXXX had multiple opportunities to tell me he was misleading me ( point blank saying it sounded to good to be true/whats the catch?, follow up call asking why the document is now including closing costs ). XXXX informs me that my refinance will have closings costs and asks if I want to continue. I tell him no and that there is no way what XXXX did was a simple oversight. He had many opportunities to try and tell me he made a mistake. 

My concern is that I luckily caught it in time. How many other times has XXXX/Freedom Mortgage done this and gotten away with it? These are just predatory practices. Especially given that if you got a loan in the past year, your rates are real high and most lenders people want to improve it. If I hadnt caught it, I would have got a better rate but when rates really do lower, I would have a hard to refinancing again due to the closing costs at the expense of my equity. How many people have been scammed into this? Please look into this. I am so disgusted with Freedom Mortgage.
Product: Debt collection

Transworld Systems Inc XXXX XXXX XXXX XXXX, DE XXXX Consumer Hotline : XXXX Consumer Hotline Fax : ( XXXX ) XXXX Has been repeatedly calling me from the following numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I do not have any delinquent debt, they have my phone number confused with someone with similar name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX, XXXX **Consumer Financial Protection BureauXXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX # # XXXX **Subject XXXX Dispute of Incorrect Late Payments on XXXX XXXX XXXX XXXX Account** Dear Consumer Financial Protection Bureau , I am writing to formally dispute the incorrect late payment entries on my credit reports from XXXX and Equifax for my XXXX XXXX XXXX XXXX credit card account XXXX Account # XXXX XXXX XXXX XXXX These entries are not accurate and have negatively impacted my credit score. 

**Details of the disputed information : ** - **Account Number** : XXXX ( XXXX ), XXXX ( Equifax ) - **Account Type** : Revolving - **Account Status** : Closed - **Monthly Payment** : {$110.00} - **Date Opened** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) - **Balance** : {$7000.00} - **Credit Limit** : {$7300.00} XXXX XXXX ), {$0.00} ( Equifax ) - **Past Due** : {$0.00} - **Payment Status** : Current - **Last Reported** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) - **Date of Last Payment** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) # # # **Discrepancies in Payment XXXX : ** # # # # **XXXX : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) # # # # **Equifax : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

XXXX XXXX XXXX XXXXAction Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX and Equifax update my credit report to reflect accurate payment history.

2. **Notification** : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from XXXX and Equifax highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

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

XXXX XXXX XXXX {$2200.00} charged off in XX/XX/2017 I disputed this account with experian because it didn't belong to me the account is unverified and possible result of identity thief my information was affected by the XXXX been dealing with this for months to no resolution they just keep reporting the same negative information without merit
Product: Checking or savings account

On XXXX I tried to use my debit card which was declined. I contacted the bank to find out what the issue was and was told my account was frozen due to an XXXX loan and that I needed to speak with security on Monday. I contacted the security department this morning only yo be told that they received a call from a federal agency to freeze the account. The agent also stated that they can not due anything until they receive a subpoena. She also stated that she could not provide me with an additional information and that there was no time frame as to how long it would take for my funds to be released. She verified that my business was legimate and registered with the Secretary of State.
Product: Debt collection

I CHECKED MY CREDIT REPORT AND IT SHOWED 5 FRADULENT ACCOUNT FROM XXXX XXXX XXXX THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX I EVER BEEN THERE DONT DO BUSINESS WITH THE I EVER GAVE EVERYONE CONSENT TO USE MY NAME AT ANY OF THESE COMPANIES. I HAVE ATTACHED MY POLICE REPORT. 

THE OTHER FRAUDULENT ACCOUNTS ARE ( XXXX XXXX, XXXX XXXX, XXXX, ) THAT WAS REPORT TO ALL 3 CREDIT BUREAUS.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chimes failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chimes has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with the platform. Despite using Chimes numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

On my credit report a card is listed that is not mine. I contacted Citi-Bank and they do not have a card issued under my social. 

It says the card was opened in 2005. 
I am refinancing and the payment of {$33.00} is showing late. This is not my card. 
I am trying to refinance my home can you please help? EXPO/CB is the Card referenced on the credit report. See below : cid : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have some fraudulent accounts and inquiries appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to get my Experian annual free credit report, however every time I enter my information I get a response of : " A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, GA XXXX '' This error comes up immediately after I enter my personal information before I am asked the verification questions.
Product: Vehicle loan or lease

XXXX what was left on the car, the car was returned to the dealership due to motor problems with the car. It was around XXXX when the car was returned 2019.
Product: Student loan

I have trouble repaying my XXXX student loans. I have asked for help from Fed Loan Servicing but it would be a financial burden to pay according to the plans that I have been offered. The plans do not take into account the fact that I have no discretionary income to pay my student loans according to an analysis made by a Consumer Credit Counseling Agency. I have asked for a minimum but the provider has sent collections notices as well as threats of garnishment. Likewise I have asked for Teacher Forgiveness as I am a XXXX but I as ill advised by Fed Loan Servicing that I do not qualify even though I work in an XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, an auto-payment charge of {$6.00} was made to my Wells Fargo credit card. 

I was unaware that this charge was present as I had added a new payment method to that website and was under the impression that my account had a {$0.00} balance. 

As soon as I saw my credit score had decreased due to my Wells Fargo account, I logged in and submitted payment in full. I contacted Wells Fargo who told me that they would not contact the credit bureaus and would not remove the late payment from my report, and advised I contact the CFPB as it was an unfair situation, but it is against their policy. 

They informed me that a letter was sent to my residence in XXXX as a final effort to receive payment, but I moved on XX/XX/2021 and did not receive the letter. 

I have a {$0.00} balance with WF now, and have been 100 % on ALL credit line payments ( WF or not ) for the past 7 years. I am absolutely horrified that a missed payment of under {$7.00} has resulted in a credit score drop of 40-70 points ( depending on which website I am looking at ) for the next 7 years. I resolved the payment immediately and need help to keep this {$6.00} mistake from effecting the 33 % weighted late payment category of my credit for the next 7 years of my life.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a Payday loan collection entry that appears on my credit report, specifically related to an account attributed to MoneyKey. I am not familiar with this debt, and I have never taken out a loan from MoneyKey. To the best of my knowledge, this entry is inaccurate, and I request its immediate removal from my credit report. 

Upon reviewing my credit report, I observed an entry from a collections agency indicating a Payday loan debt with MoneyKey. The reported amount and the alleged occurrence date are from the year 2021. However, I have not received any documentation or notice from MoneyKey regarding this loan. The lack of communication from the alleged original lender is concerning, as I have not been given the opportunity to address or verify the legitimacy of this debt. 

I have taken all necessary precautions to safeguard my personal information, and the appearance of this debt is both unexpected and unwarranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

I would like all my unauthorized Inquiries, my derogatory remarks, late payments, public record, closed accounts removed. Many Of these accounts fall under the statute of limitations or are misreporting on my credit report. 

( Please remove any and all unauthorized inquiries from my reports as I have No knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a closed account on each of the major credit bureaus on my profile. I have been disputing this account with the credit bureaus for over a year. This account does not belong to me. I have zero knowledge of this account. I have never received correspondence from the bank via mail or phone notifying or confirming that this account belongs to me.
Product: Mortgage

In XX/XX/2017, I made a late payment on my mortgage to M & T Bank. It was not yet past 30 days, but it was late. I paid via my online checking account from XXXX. I entered the wrong address for M & T, and the check was sent to their office in Texas. The money immediately left my checking account, so I figured they received it. They never did, so I had to cancel the check from XXXX, and I re-sent the payment online, this time on M & T 's MyMortgage website. At this point it must have been past 30 days late. When I spoke to customer service, they said they'd charge the late fee but it would not show up on my credit report. 

Now, almost a year later, a mortgage broker pulled my credit and it's showing up as a negative mark on my credit report. M & T says they can not remove the negative mark, that I have to file a dispute with the credit bureaus.
Product: Credit card or prepaid card

Earlier this year, I opened a Walgreens Mastercard. I was told that I would get all sorts of money back on my purchases. I made a single purchase in the amount of {$54.00} and some odd cents. I never received a plastic Mastercard in the mail. I didn't see a contract when I applied. A clerk at the XXXX made the application for me. Unbeknownst to me, the card was issued by Synchrony Bank. I wouldn't have gotten the card if I had known that. At some point, I got a bill for the Mastercard for the {$54.00} and some odd cents. In the interval between getting the bill and paying it, my mother died. I had to make funeral arrangements and also care for my elderly father, who was married to my mother for 67 years. When I returned, my husband gave me the bill and I did a telephone payment to Synchrony Bank for {$55.00} even. I figured I would get a bill from Synchrony for whatever finance charges are appropriate on {$54.00}. I never did get another bill from Synchrony. 

Today my husband got a telephone call from Synchrony Bank stating that I owed them {$110.00} and I was in default or something. I knew I had only used the card once and that couldn't possibly be right. I called the Synchrony Bank number I found on the internet and a customer representative told me that Synchrony had been charging me late fees every month. ( Bear in mind that there was no principal left on the card! ) I told her I wanted the account closed immediately. She kept badgering me to keep the account open and said that, before she would close the account, she had to read me a statement. I told her no, I wasn't going to listen to any statement and that she needed to close the account IMMEDIATELY. I hung up. I seriously doubt Synchrony closed the account. I'm sure it is Synchrony 's intention to continue to rack up fees every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  XXXX Late Dates XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in
accurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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. 

Kind Regards, XXXX
Product: Debt collection

XX/XX/2022 applied for an apartment. Paid application fee ( {$75.00} ). The leasing office proceeded with our application as if we 100 % decided to move to that complex. However, I stated that we had questions before continuing with this process ; we're approved but had rental questions. Leasing office proceeded regardless of my questions, disregarding any questions that I needed answered. We found another complex we decide to move forward with. The first complex charge my bank account fraudulently ( {$350.00} ), and my bank refunded my funds. Now that amount they think I owe ( {$500.00} ) is in debt collection. Ruining my credit score I'm working very hard to improve.
Product: Debt collection

The statement has a Total affiliated with only XXXX license plate number. 
Actually there are XXXX license plate numbers shown in the Tag No. column. Also, the Total is {$10.00} more than the sum of the amounts shown when adding up the Amount column. There is no explanation or category that explains the additional amount. They are also threatening me with immobilization and impoundment etc. This seems like harassment.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  ( XXXX ) ( XXXX XXXX XXXX XXXX  ) 15 U.S.C. 1681 section 602a State I have the right to privacy.

15 U.S.C. section 602a it also States a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is being used by someone else to get unsecured credit loans and cars and it is devastating my financial life.
Product: Checking or savings account

On the XXXX of XX/XX/2020, I went deposit {$900.00} to my checking account ( TD Bank ) there were few people inside of the bank but did not allow anyone inside of the bank, I was using the Atm to do the deposit the Atm took the {$900.00} plus the Atm card i knock at the door for someone to come and help me they don't want to come out, after 5 minutes one of them open just to hear what i have to say, i explained to her, said she can't help me they can only file a claim for me but she can't do it cause it Saturday, she went to check if she can get the atm card, came back say she didn't find the card went for a 2nd time came with my atm card i asked about the money said she does not have access to open the Atm machine, ok i call Td bank did the claim, they told me it's will take 5 to 10 business days to get the money back on the XXXX of XXXX they only deposit {$440.00} to my account, when I called them said that's the only money they can give me, so they did an other claim on the XXXX of XXXX I received a mail on XXXX of XXXX said the claim is dined.
Product: Debt collection

I received a call from National recovery agency about two unpaid records. And I have all records on my end. I told them what they have is wrong. and then they keep calling me and sent me a mail. Of these two unpaid records, the one on XX/XX/2018 is not existed ; the other one on XX/XX/2018 is a mistake. When we visited the provider on that day, we give the wrong insurance card. and we later update them with a new insurance card. I personally visit XXXX XXXX XXXX financial department and they said the problem is solved and told me not to worry about the wrong bill. 

I have no idea how the National Recovery Agency gets these wrong and outdated information and tried to blackmail me. but please help me to stop them from doing this. 

thanks.