23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On 2020 XX/XX/XXXX my husband pass away I attached to this complaint a copy of his death certificate. 

Right away I make sure I contact Freedom Mortgage to make the assumption of the loan. Since I was always on the title. As XXXX tenants. 

The next step I did was filed an Affidavit of XXXX also made sure I provided you with a copy here. 

I was legally married to XXXX XXXX XXXX, My full name is XXXX XXXX XXXX XXXX, I provided a copy of my marriage certificate to this complaint. 

My nightmare started from there since Freedom Mortgage didn't respect that I was marry to XXXX and made it very hard for me to assumed the loan. 

I felt discriminated and was asked to submit my paper work many times and everytime they would say they would not received it. 

For the pass 4 months I've been blocked from my account. I have been sickout from the website. I been reaching out to Freedom Mortgage about this and they again have no answer for me. 

I've attached the attempts proof of me asking them for documents and not being able to get them documents. 

Since part of the process is to verify my identity. In the pass I was able to log in fine. No problem. 

In retaliation from Freedom Mortgage since I kept calling every month they decided to change with no permission from to not get statements. Which would of been impossible for me to do since I haven't had access to the account for months. Attached is the email they send me after they did that. 

Base on XXXX of XXXX XXXX my rights have been violated, since I have no access nor ability to see what I'm being charge, or what has been has been paid. Fair housing laws as well since I am XXXX this company has treated me very poorly and denied access to my loan.
Product: Consumer Loan

Ive been a Santander account holder for a little over a year now and Ive had some hard times come and I ask the company for a payment deferment and they tell me my account is in excellent standing that I should n't have an issue being approved. So I wait the 2weeks they told me it would take for a " Manager '' to decide my approval and I never receive a call or email, so I take it upon myself and call them. They then tell me I was denied because I was not past due atleast 10 days or more. I do n't think its right to accrue late charges and interest for every day after the 10 day grace period they have, if its not easy for customers with great payment history to be approved. Not to mention the loan is way more then what the vehicle is even worth, even for it being a newer vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : XXXX ) Name and title of the person who pulled my credit. 
XXXX ) Date they purport that I gave permission. 
XXXX ) Method they purport that I gave permission please include documentation of said permission. 

Thank You.
Product: Debt collection

Hello, On XX/XX/XXXX I got an alert from XXXX, XXXX, and XXXX that I had an account, XXXX XXXX XXXX XXXX XXXX  ( Original Creditor ), go into collection by SOURCE RECEIVABLES MNG. This account is not mine. I have not received anything for this debt nor and most importantly I did not authorize this charge/account. 

Please remove this ASAP, I am in the process of buying a house and this has completely ruined my mortgage rates making it impossible to get a good mortgage loan. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my XXXX credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and there is XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 inaccurate 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit reporting

Two years ago a tax lien was placed on my home in Maryland. In XXXX of 2014 the lien was paid off when I sold the house. Since then I have repeatedly been denied loans due to the entry of the tax lien on my credit reports. I contacted the Maryland tax collection agency with whom I had been working and was told that they had in fact forwarded the lien release to each of the credit bureaus. Two weeks ago I applied for a loan and was denied due to a report of a tax lien on the property in Maryland. I would like to get this issue resolved and find out what if any legal remedies are available to me.
Product: Checking or savings account

on XX/XX/XXXX, I discovered that there were XXXX XXXX XXXX charges, each valued at {$15.00} in My wife and Is joint checking account with USAA. Upon discovering this, I immediately acted and decided to submit a fraud claim to USAA. What I also discovered after submitting the fraud claim was that my XXXX account was also compromised. Therefore, I logged into the account, changed my password, and removed my debit card and all bank information from my XXXX account. 

On XX/XX/XXXX, they determined that the fraudulent transactions were not fraudulent. So, I submitted a typed statement stating that this was not me or my wife who made these transactions. So, on XX/XX/XXXX, I talked on the phone with a USAA representative, and they said to submit a statement and upload it via USAA app. I did so the same day. 

Then, on XX/XX/XXXX, we were notified once again these fraudulent charges were deemed as not fraudulent. I then submitted a second written statement requesting an escalation and a new investigation into this fraud since we were being punished for their mistake. On XX/XX/XXXX, it was deemed a THIRD time that the charges were still not fraudulent. I threatened to close my accounts with them due to this mistreatment by this company made for veterans and military, me being a veteran myself. 

My wife and I did NOT make those transactions. In addition, the address on the transactions with XXXX is incorrect, further proving that it was not me that completed the transactions. The address tied to each transaction is the following address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX I havent lived at the above address in over a decade. If it were me that had made the XXXX gift card purchases, I would have used the correct address that we have in XXXX XXXX XXXX. I also do not know anyone by the name of XXXX.
Product: Credit card

I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. I would like you to investigate my charges on my visa made by these fraudulent companies : XXXX XXXX XXXX and XXXX XXXX. I got contacted by these companies by unsolicited telemarketing phone calls and they promised me a profitable at home business. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. It is clear that they never intended to fulfill their end of the deal. They did not provide the services I was sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is preventing me from submitting a dispute regarding the following accounts : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX University I am attaching supporting documentation to have these accounts three accounts reinvestigated. 
Experian will not provide documentation regarding verifying public records. They've provided several generic statements regarding verifying through 3rd party companies, but will not identify the name of the company. I have verified with the court that they do not and can not verify anything with you. Their written response is attached. I have verified with XXXX XXXX that my file is suppressed " blocked out '' therefore they have not verified with you. The opt out letter is attached. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 

As it relates to XXXX XXXX, you are only to report 7 years from date of first delinquency. This account was delinquent in XX/XX/XXXX, therefore, this account should have been deleted in XX/XX/XXXX. A statement of account letter is attached which documents date of first delinquency. That is inaccurate reporting on your part and this account needs to be deleted. 

As it relates to XXXX XXXX University, I have requested validation from XXXX and they have not provided an account with my signature. Therefore this account should be deleted. You allowed XXXX XXXX University to report the account as a collection account in XX/XX/XXXX and  Closed in XX/XX/XXXX, but XXXX sent Statement of account showing payment in XX/XX/XXXX.  That is inaccurate reporting on your part and this account needs to be deleted. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully plan on pursuing litigation in this manner to enforce my rights under FCRA. 
I demand the following accounts be deleted immediately. I look forward to receiving an updated report reflecting the corrections. 

Chapter XXXX Bankruptcy unverified XXXX XXXX inaccurately reported XXXX XXXX University inaccurately reported
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my vehicle was involved in a hit in run the vehicle was a XXXX XXXX XXXX XXXX XXXX the car was totaled my insurance company paid the total loss of the vehicle XXXX XXXX who paid the amount to the lender Ally financial I contacted Gap insurance I believe the claim was taken care of. One year later, I was informed by XXXX that a new account was on my credit report. Ally financial placed a balance of XXXX on my credit not only did Ally Financial not inform me of this balance existed. I was never informed nor was I given a chance to provide proof to the insurance company of the payoff not only did this drop my score my 60 points I spent over a year disputing this account if the insurance company did not pay the balance I should have been able to make a payment plan however this amount needs to be written off the gap insurance contacted Ally if they did not respond within the time frame I should not be held accountable. I sent numerous documents to XXXX that showed. I did not owe this balance. I believe this account was resolved it shows up on my credit report as account closed yet this is not correct. I recently found out after having my credit report ran several different times that this account is showing up as a negative remark and this has caused me not to be able to get financed for a vehicle. I spent countless time building my credit and Ally Financial has caused me great hardships and embarrassment. I work on on building up my credit there is not a lending company that will finance me unless the payment is extremely high. I spent a year trying to remove this mark off my credit report Ally Financial has bullied me and ruined by credit I've been trying to get my credit back since this incorrect has been placed on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX Account Number XXXX XXXX  XXXX XXXX, Account Number XXXX XXXX Account Number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/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 an 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. 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: Checking or savings account

OnXX/XX/2018, Chase Bank send me letters informing that Chase decide to close my checking and saving accounts, and the process is not reversible. Chase didn't provide any more information and reasons for that.
Product: Prepaid card

My son received a VanillaGIft card from his grandparents. He saves these cards for larger purchases. They are sealed and sitting in a box in our posession. Recently he tried to use a card that was originally purchased on XX/XX/XXXX but was depleted on XX/XX/XXXX. The expiration date on the card is XX/XX/XXXX. We put in an appeal to the company ( case XXXX ) and were denied because it has been over a year since the card was used. If the card does not expire until XXXX there is an expectation that the funds will be on the card when the cardholder goes to use it. My daughter also recently tried to use a couple of her gift cards from the same company and they were also depleted by someone else. This appears to be a common issue with this company. My son would like his {$50.00} that his grandparents gave him for his birthday. Thanks so much for yoru assitance.
Product: Mortgage

I am currently having XXXX issues with RCS : 1. Their inability to honor my requests to remove PMI from my loan. I 've sent a couple of requests via fax (?!? ) to their Correspondence Department to have PMI removed since I have satisfied their requirements. At no time have they honored my request and have even told me they never received my last XXXX requests. As a result of their ineptitude the most recent payment for XX/XX/XXXX has not been applied to my account which of course made my XX/XX/XXXX payment late ... here comes another late fee. 2. They received my XXXX payment on XX/XX/XXXX for a XX/XX/XXXX due date and they did not apply it to my account until XX/XX/XXXX, thus making the payment late. They then charged me a {$130.00} late fee due to their inability to apply my payment timely. They are not acknowledging their error and refuse to credit back the late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to process my dispute for a XXXX XXXX XXXX trade line on my credit report in an ethical manner. Federal Credit Reporting Act Sections 609, 611 and 623 allows consumers to receive information to validate a debt and to dispute inaccurate information reported on a credit report. The furnisher of the credit information regarding this trade line from XXXX XXXX  reported the wrong information including last payment made, balance etc. I provided documentation including payment confirmation and paid that the account is at a XXXX balance. Experian has continually violated my rights under the FCRA as shown in my above affirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had a wellsfargo checking account from XXXX. When I opened my account I signed a paper stating that if my funds got low that any other payments would decline. Suddenly I'm trying to check my account and it's telling me I'm overdrawn {$280.00} and some change which is impossible because like I previously said no payments should come out if my balance was low. I called Wells Fargo and they tell me that it's payments I made and that I would have to pay that back. How could I have made payments if my account was set to decline if I had insufficient funds. They never resolved the issue and refused to give me back the money they took out of my account.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

Addendum to CFPB Complaint XXXX additional Kohls credit representative complaints : ( As CFPB does not allow modifying complaint once entered : ) After reviewing Kohls.com online payment documentation there were two additional problems in my interaction with Kohls credit representative on XX/XX/XXXX : Kohls credit representative said with full confidence that Kohls charge card payments only post same day in the local store up until XXXX XXXX. Kohls.com online documentation states payments will post the same day any time up until store close. Kohls credit representative said with full confidence that Kohls charge payments made the same day online, even before XXXX XXXX, will not post that same day. Kohls.com online documentation states that online payments made before XXXX XXXX will post that same day. The agent was a absolutely terrible representative for Kohls. I now have no faith whatsoever in any interaction with Kohls credit personnel, including supervisors. I think I have to go through CFPB on everything account related, to get a straight story. XXXX