23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Started a refi, initiated by Freedom Mortgage, our existing company, on XX/XX/21. Numerous roadblocks and hurdles, some of which make sense and some are a mystery to me. Received someone else 's paperwork via mail during process. Call placed by workers apparently working from home, using cell phones not connected to company, who introduce themselves and ask for private info so I can prove who I am. When I refuse and call the main line passed from person to person without end. Refi still not done. Told today via email that I must pay off my HELOC with another company because Freedom Mortgage will not honor subordination agreement from my credit union ( standard agreement that credit union states they have used many times with this company and others ) because Freedom Mortgage wants the subordination agreement to say that the mortgage agreeement can increase to an unspecified amount because " of the CARES Act ''. I've tried to reach someone at Freedom Mortgage to ask for more information and have been unsuccessful. 
Biggest concerns : Shared someone else 's personal financial information with me Ask me for my information on a " unsecured line '' Unprofessional communication/passing me from person to person and giving reasons that don't make sense...
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? Shouldn't all data fields be complete? Either complete it or delete the whole account. 
XXXX XXXX is reporting the date last active as XX/XX/XXXX, XXXX is reporting it as XX/XX/XXXX, and Experian is reporting the date last active as XX/XX/XXXX. Which date is it? It can't be all three? 

Why isn't XXXX XXXX reporting any payment history? Why isn't Experian reporting any payment history? How can I be on time with my payment in XXXX of XXXX with XXXX but charged off the very next month? When was I reported late with XXXX XXXX or Experian? What was my monthly payment for this account? When was my last payment received for this account? When was the date of first delinquency with all XXXX consumer reporting agencies? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple unauthorized hard inquiries on my credit report. 

I dont know if my information is being stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions in accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions in accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I sent in a payment by check a month ago and it still has not been cashed I believe they are doing this intentionally to try to foreclose on my property also they are trying to charge me an almost XXXX fee of interest which is unconstitutional
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove all 4 unauthorized inquiries from XXXX XXXX XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my report and I noticed some accounts that I have been disputing for over 40 days with no written response is still being reported on my credit. I have been filing multiple complaints & disputes against the creditors & your XXXX  plus third parties about going against the law reporting things inaccurate on my credit. Now the time is up I will need this remove immediately or legal actions will be forced.
Product: Debt collection

I am extremely dissatisfied with your failure to remove all fraudulent accounts from my credit report, unlike XXXX 's compliance. The discrepancies persisting on my report are unacceptable. 
I demand immediate action to remove the remaining fraudulent accounts, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, as XXXX has done.
Product: Credit reporting, credit repair services, or other personal consumer reports

need a balance sheet stating payments made to charged off account and also the current balance of the account and status on company letterhead
Product: Credit reporting or other personal consumer reports

I am showing to have a Bankruptcy on my Public Record and upon my follow up with the courts I was provided the attached letter that states that this should not be the case.
Product: Credit card or prepaid card

My Paypal Credit account went past due in or around XXXX or XXXX of this year. After receiving multiple calls. I received a message that my account would be sent to collections. I do not know if this was an in-house collections or if it was sent to another company, I didn't keep track because I assumed they would honor their agreements. I returned the call where I was offered a payment agreement that stated in exchange for me scheduling my next three payments of {$270.00} with them over the phone I would be allowed to continue use of my account during the three months the payments were made even if my account showed past due, I would no longer receive collections calls, my account would not be reported to as past due to credit bureaus and my account would be reset/re-aged at the end of the three payments. The first two payments completed successfully and I was able to continue use of my account during those two months. Sometime after the second payment I started receiving collections calls again, roughly about XXXX of this year. I returned their call at XXXX and explained that I had a payment agreement and was told that servicing of Paypal Credit changed companies and that they didn't have all payment agreement information, they were investigating due to multiple calls, and that they would honor the previous agreement and my account would be re-aged 48 hours after my last scheduled payment in the agreement. Soon after my payment posted but the account was never re-aged. I called again and was told they misspoke, the department that does that is not open on the weekends and it would be reset after 48 business hours. I called again after this period of time and was told again they must have misspoke, I needed to call a second number because they set up the agreement. I called that number twice and both times I was transferred 2 to 3 times before finally being transferred to a number where I received a recording that stated this number was no longer in service. I called XXXX again and was told that they would set up a complaint for investigation. I finally called back today and was told my payment agreement never existed and they will not be re-aging my account. I would like to point out that now my account shows three months past due rather than the original one or two and my account is still in past due status. Exactly why would I set up a payment agreement that despite making payments every month allowed my account to fall further past due than it originally was? Now they want me to pay an over {$800.00} minimum payment to bring my account current which should not be the case, I can not afford, and if I could afford it my account would have never went into a past due status to begin with and they are now refusing to assist. Additionally, I believe that the original collections call, either in - house or with a different company, may have even recorded the conversation with me.
Product: Mortgage

Wells Fargo used fraud to push through a settlement agreement without the remediation for water damages on a condo they assumed with the 2006 bank mortgage melt down. The civil case is 6 years old and in the Appeals Court. 
My opening brief is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a late for the month of XX/XX/2020. This payment was deferred due to Covid-19. The bank says that the bureau would remove the late after my dispute. The credit bureaus still have not removed the late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became delinquent in this credit card in XXXX of XXXX, which is the same month that I was laid off of work due to having a fever. I didnt return to work until XXXX, and my Unemployment benefits didnt hit my account until around XXXX, which all went towards catching everything else up. The credit card was turned into collections in XXXX of XXXX, at which point I had set the money aside so I paid the entire balance off, however when I did this, I asked that they remove the derogatory remarks from my credit report if I paid them the whole balance. They said they would, however they never did and I made no progress at getting them to so I gave up. However yesterday XX/XX/XXXX Synchrony bank added remarks to the account that decreased my XXXX credit score by almost XXXX points. I called them and asked why this was and they stated because I had filed a dispute saying that I was delinquent on that card due to unemployment as a direct result of the natural disaster/pandemic that was covid 19, so they changed the status of the account from paid back to charge off. In addition to that, they told me that XXXX was to blame for the credit score decrease and that I needed to talk to them, so I called XXXX, who confirmed what I already knew. Which is that they just place what the companies report to them on our credit files. I found this to be extremely odd as I have paid the entire balance of the card, but because I filed a report that they didnt like they literally ruin my credit. I have worked so hard to get it up to around XXXX from what they did to me the first time and now they drop me back down to XXXX as retaliation. This has to be against the FCRA, and its unacceptable. Please help me, I am trying to get my life on track and without credit, its impossible. Synchrony/American Eagle bank is a dishonest corporation and I hope to see something done about them. Synchrony/XXXX  XXXX  are supposedly sending me a letter stating that the balance was paid in full by me, but were reluctant to say it was paid by me because they know they are at fault here.
Product: Debt collection

I currently am a patient of the establishment in question. I have not received any validation of debt pertaining to a medical bill nor any record of the account. I paid the account in full based on the fact they stated it would be removed due to inconsistency in contacting me to resolve the outstanding debt in a timely manner. I was not made aware of the debt in order to make payment properly to prevent credit reporting. Per the law the debt collection company is required to within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debtThe name of the original creditor to whom the debt is owedA statement describing your right to dispute the debtthis was not done therefore hindering me from resolving the matter. They did not call or send letters to me to review.
Product: Credit reporting

This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit inquiries that are on may report have been placed on a police report, but the credit bureaus still fail to remove them from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened an account on XX/XX/XXXX. On XX/XX/XXXX, I was sent a letter stating my account would be frozen on XX/XX/XXXX. I did not even receive this letter until XX/XX/XXXX ( last letter in XXXX XXXX Delivery XXXX XXXX ), after the account was frozen. I went to a branch that weekend to provide documentation and was told the following week that it was illegible and to come again & again. I have submitted the requested license and passport at least 4 times by XX/XX/XXXX, the date Chase states they will close the account. 

I have multiple accounts with JPMorgan, mortgage, personal checking/savings, investment, and credit cards and which can be cross-referenced to verify my new business checking.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently received a copy of my XXXX  credit report and noticed multiple unauthorized hard inquires, to my credit file i did not give permission for anyone to grab a copy of my credit report, my credit report was frozen and XXXX gave credit card companies access. these hard inquires seem to be fraudulent.
Product: Debt collection

The account is not mine and result of identity theft. I would like it removed from my credit report and never to be put back on my credit report. 

Also the inconsistencies of several dates means someone has reported inaccurate information to credit bureaus violation of FDCPA and FCRA.
Product: Mortgage

Complaint : Nationstar Mortgage d/b/a Mr. Cooper did not notify Borrower or Borrowers rep of servicing transfer at least 15 days before the effective date. 

HISTORY : -Borrower/note holder died. As legal rep and successor in interest, submitted death certificate several times and Mr Cooper would not update file. Nationstar/Mr Cooper also would not provide documents to file for a loan modification. Finally had to resort to skipping payments to get them to send requested hardship affidavit and mod documents. 
- Once received hardship and mod docs, called them and was told we had until XX/XX/2020 to submit the forms and to make payments and stop foreclosure process. 
- received letter addressed to me confirming me as successor in interest. 
- Filled out documents and created a Complete packet including all supporting docs for submission. 
- On XX/XX/2020 received a letter addressed solely to deceased borrower stating the servicing of mortgage loan was being transferred from Mr Cooper to XXXX XXXX  XXXX effective XX/XX/2020 - which was the day before the letter even arrived. 
- There is still been No letter to successor in interest at all about change of service. 
- XX/XX/2020 : Called new servicer for account # and fax # so can send documents to them and was refused that information ; they stated successor I am not listed as authorized contact, and would not discuss matter with me. 
- XX/XX/2020 Have resubmitted all information via fax and email to new servicer and been told I must wait 48 hours for the information to upload, and to call back on Monday ( XX/XX/2020 ) - I am being blocked and manipulated from meeting deadline
Product: Debt collection

XXXX is charging me for a loan that was supposedly exonerated over 10 years ago. They've bullied me into making several payments so it could take the negative effect off of my credit report and be up to date. 
10 years ago my mother took out a student loan in my name with my step father as the co-signer. Shortly after, my dad had gotten cleared for XXXX XXXX XXXX  XXXX which allowed me, as his dependent, to utilize his benefits that paid for my college finances. Because of this, the loan was no longer needed and my mom had it exonerated. Only for 10 years later to pass and I am being charged for this! I do not have the funds to pay this loan and do not feel I was fairly approached and educated on this matter.
Product: Debt collection

I sent in a dispute in regards to a bankruptcy showing incorrect and inconsistent on my Experian credit profile. If accuracy can not be confirmed immediately it must be deleted under federal law FCRA 1681e ( b ). I do not have a bankruptcy on my XXXX or XXXX profile therefore information is inaccurate and inconsistent and need to be removed immediately.
Product: Credit card or prepaid card

I have continuously reached out to XXXX due to a charge for XXXX XXXXXXXX charged to my card XXXX ago that I did not authorize. I never signed for the promotion nor have I ever used it. XXXX XXXX found XXXX Citibank in violation in 2015 for charging the involuntary charges to accounts without authorization. Citi is in violation even after they were ordered to discontinue and repay customers. I have attached screenshots from XXXX XXXX that stated the violations.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning without any warning. I regularly check my credit report, but this time, there were unexpected errors. I even tried refreshing my browser, hoping it was just a temporary glitch, but the inaccurate accounts stayed there. Because of this, I am requesting a thorough review of the documents I've sent to ensure this never happens again.
Product: Credit card or prepaid card

I do not know the exact date I purchased the card. Only that it was prepaid and at XXXX before XXXX for my XXXX meal. Upon trying to activate the card, I am told I am intelligible and that they can reopen a previous netspend account, and send a check to that address. I am no longer at the address for a previous netspend account, nor can I prove the address where I am. I am XXXX. Living in my car. This isn't the first issue with netspend. XXXX pay also stole XXXX dollars they wouldn't return back of this. This is a {$100.00} dollar transaction, and being homeless, I need the money to survive, and was assured I would have no issues as I was prepaying for card.
Product: Bank account or service

I opened a checking account with Bank of america ( BofA ) on XXXX/XXXX/2015. I did it because Bofa offers the possibility of no international fees when a client uses affilliatted banks out of the XXXX. I specifically asked the costumer service Rep ( XXXX XXXX XXXX ) who took my information to check this for me. He confirmed that in XXXX as well as in XXXX I could use ATM without penalty if they were from The XXXX Bank. Prior to my departure I again called to reconfirm the affilliatted banks in XXXX and XXXX. I spoke to XXXX - Costumer service- on XXXX XXXX 2015, and again I was told that I could use XXXX bank to make withdrawals without being assessed a fee. I travel to XXXX between XXXX XXXX to XXXX XXXX. 
To my surprise when I received the checking acct. statement for the balance beginning XXXX XXXX to XXXX XXXX I noticed that I had service fees for withdrawals made at XXXX Bank in XXXX and in XXXX. Immediately I contacted Bank of America to dispute those charges and Spoke both to XXXX as well as XXXX on XXXX XXXX, 2015. XXXX mentioned that Bank of america used to have that bank as affiliated in XXXX and XXXX but that it had changed and that XXXX Bank was no more affiliated with the. She told me that as a courtesy they will remove XXXX of the service fees assessed but the others will remain. She told me that was all she could do and that I should do whatever I need to do. 
My complaint is that I should not be assessed any service fees for this withdrawals since I was very clear in asking XXXX different people from BofA about giving me the information about overseas fees and both mentioned XXXX Bank as affiliated in those countries.
Product: Credit reporting or other personal consumer reports

XXXX accessed my account without my consent .its a breach of contract when a third party entity access sensitive account information
Product: Credit reporting or other personal consumer reports

Onemain financial XXXXXXXX XXXX ive been paying on this bill for XXXX years {$200.00} every month and the interest rate have been dropped. Theyve been missing my credit card. My name is XXXX XXXX. My phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a a complaint requesting that Credit Bureaus reinvestigate the disputed accounts from my credit report as well as FIXthese accounts from my report during the investigation period. As of this date, they have failed to respond to my request.The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} DP OF EDUC XXXX Balance Owed : {$57000.00} DP OF EDUC XXXX Balance Owed : {$71000.00}