23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is not a duplicate. This is about case # XXXX. This complaint is in reference to that case #. I have a family member helping me and she called today because Rushmore loan mgmt. postponed the foreclosure sale from XX/XX/19 to XX/XX/19. We verified that the supporting documents for a loan modification and that the last will and testament and executor ship documents were received on the XXXX of XXXX. Today they are stating that they will not be reviewing any documents because it is less than 37 days prior to the foreclosure sale. Well if the addition in my mind is right excluding weekends that would make it 47 days prior.These people are very evil people. It is my understanding that there are people in the court system that state they want to buy the house at foreclosure and sell it for profit. This is not fulfilling my parents wishes.
Product: Credit reporting or other personal consumer reports

This morning, I saw that my credit report contained inaccurate accounts, and I have no clue how they appeared. When I reviewed my credit report as usual, I found unexpected discrepancies. I refreshed my browser to check for a potential malfunction, but the errors remained. Given this situation, I request that the documents I submitted be reviewed thoroughly to prevent future concerns.
Product: Credit card

On XXXX/XXXX/XXXX I received a letter from Kohl 's dated XXXX/XXXX/XXXX that they needed to update my address information by XXXX/XXXX/XXXX or they would close my account. On XXXX/XXXX/XXXX I called the telephone number provided in the letter and spoke to a customer service representative named XXXX. I told him they had my correct address which I have had since XXXX. I also confirmed my telephone number & email address. He said my account had been updated and it was fine to use my credit card. On Sunday XXXX/XXXX/XXXX I went shopping at Kohl, s using my Kohl 's credit card and when I swiped it it said to see customer service. I was directed to use the phone at the customer service desk. I spoke to a representative who told my my account was closed because my address was n't update, I told her I had called on XXXX/XXXX/XXXX and spoke to XXXX & he said my account was open & fine to use. She said that the account was closed & could n't be reopened. She refused to let me speak to a Supervisor. When I got home at XXXX XXXX I called customer service again and spoke to XXXX who told me the account was closed on XXXX/XXXX/XXXX by the credit bureau XXXX and to contact them. I knew this information was incorrect and asked to speak to a supervisor, she said once the account was closed it could not be reopened and would not connect me to a supervisor. I called back at XXXX XXXX and spoke to a representative named XXXX who did connect me to a supervisor named XXXX XXXX who said she would have to listen to the recording of the conversation I had with XXXX on XXXX/XXXX/XXXX and would call me back. She called me back at XXXX XXXX and admitted it was Kohl 's mistake and it would take 10 days to 2 weeks to reactivate the account and would keep in contact. On XXXX/XXXX/XXXX I received a letter from Kohl 's dated XXXX/XXXX/XXXX stating that they could not reopen my account because I did not meet Kohl 's criteria to do so. I called customer service to speak to XXXX XXXX and spoke to Supervisor XXXX who could not find her extension but would email her and have her contact me. He could not explain what Kohl 's criteria for reopening an account was. Since I did not hear back from XXXX, I contacted customer service again on XXXX/XXXX/XXXX at XXXX XXXX and spoke to Supervisor XXXX who stated that due to the XXXX after XXXX/XXXX/XXXX they could not use a mail service address and needed a residential address. She is the first person who stated this was Kohl 's criteria for opening an account. I argued that this was my legal mailing address and has been since XXXX and why did they allow this account to be opened in the first place. I have had this account for 5 years with an excellent credit history of payments. I have used the same address for all my credit cards, etc. and have not had any problems. She said she would take this up with the president of Kohl 's and get back to me within 48 hours. She said she needed my residential address for a reference point which I did give to her. I have had no contact from anyone from Kohl 's since XXXX/XXXX/XXXX regarding this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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 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 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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : I would the following accounts deleted from my consumer reports and i would also like to Be remedied {$2000.00} for damages due to the negligence of experian and the constant disregard for my rights by experian
Product: Credit card or prepaid card

The company has failed to generate a statement for the cycles I have a {$0.00} balance on. This is not registering with the credit bureaus that this account continues to maintain a positive and good status - it last reported in XX/XX/XXXX, with a " STATEMENT CLOSE DATE '' of XX/XX/XXXX, yet there is NO statement for XX/XX/2019. The balance is reporting accurate as {$0.00}, but the lender can not confirm this is for XX/XX/XXXX and that I did not all of a sudden purchase a ton of items between the last reporting and now. This is going to interfere with my ability to obtain a mortgage.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT XXXX INC. is violating my consumer rights. This company that I never done business with is reporting an alleged debt on my consumer report. This company is reporting false and misleading information on my consumer report and has not sent me any " notice of debt '' pursuant to 15 usc 1692g ( a ). MIDLAND CREDIT MANAGEMENT , INC. has committed an act of aggravated identity theft pursuant to 18 usc 1028A ( a ) ( 1 ) and 18 usc 1028A ( c ) ( 8 ) by obtaining ; and possessing my identifying information without lawful authority. With that being said, attached will be my cease and desist letter I have sent to this company certified mail. I expect all claims to be handle in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a fraud/identity theft report with the FTC XX/XX/XXXX and also sent the credit bureaus a copy of this report as well as a dispute letter with the disputed inaccurate accounts attached with my social and identification card on XX/XX/19. I was informed by the FTC to put a freeze on accounts as I did so as well, the bureaus is still reporting these felonious accts.. 
XXXX. XXXX XXXX acct # XXXX 
XXXX. XXXX XXXX acct # XXXX XXXX. XXXX XXXX  acct # XXXX ... 
XXXX. XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are in clear violation of the LAW. Under 15 USC S 1681b -permissible purpose of consumer reports, The law clearly states the following, ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with the written instructions of the consumer ro whom it relates. Did I give any of those reporting agencies written instructions to furnish the accounts on my credit report? The answer is simply No. Furthermore, the Fair Credit Reporting Act 15 USC S 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report : Which would mean my Utilization was never supposed to be furnished on my consumer report ever.
Product: Mortgage

Back in the middle of XXXX my wife and I went to refinance. We decided to go with First Guarantee Mortgage Co., doing business as XXXX good mortgage ). It has been 5 1/2 months of constantly supplying information. Sometimes duplicates!!!! Mind you.. we are going to go from a 30 year mortgage ( 24 years left ) to a 15 year mortgage PLUS put an extra {$50000.00} down. All they did was drag their feet. Hopefully they dont cost us money because we were refinancing at 2.25 %. I finally told them today ( XXXX ) to just forget it. Theyre costing me money. Our payment was to go down {$250.00} a month also. Totally ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong ARS ACCOUNT SOLUTION company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.

You ARS ACCOUNT SOLUTION knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts are in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX 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: Debt collection

This is the Second Attempt at having my fafsa student debt removed : i was incarcerated from XXXX and on my credit report i have XXXX XXXX XXXX debts. The date of the debt is in XXXX i definitely did not go to any school in 2019 for i was in prison for XXXX  years around that time. This is not my debt. 
date opened : XX/XX/2019 ( for both ) ( was actually a week and a half after my second trial procedure ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being trying endlessly to reach XXXX credit report company When trying logging there is always A problem When I do log in it will stop working Or freeze Then i find it impossible to reach Them over the phone as the answering System would not direct you to a customer service representative Other credit repotting was easy to reach And dispute a problem or a case Since the pandemic started my credit got Destroyed by agencies not responding In order to update and solve a problem From a perfect credit to fair credit co-signed cars where the reporting agency Would not give a fair warning to try fix the problem As of lack of good credit I had to apply for Other credit venues which end up taking my credit even lower while paid all And the favor always goes to who Ever sends a late or unpaid bill Which could have been resolved in an instant with a worming! 
All started in XX/XX/2020 till today!
Product: Credit reporting or other personal consumer reports

I am reaching out to request the immediate blocking and deletion of fraudulent accounts on my credit report. I am a victim of identity theft due to a recent data breach, and under my rights pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these unauthorized accounts. 
The accounts in question are as follows : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Bankruptcy Record Case Number : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
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 U.S. Code 1681. 

XXXX XXXX XXXX, Account # XXXX 15 U.S. Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section 604 a Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 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. Code 1681s-2 ( A ) ( 1 ) Section States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Received property foreclosure letter from attorney for my property. Sale Date is set for XXXX, 2020. State Of Tennessee law states I'm to receive notice 30 before the foreclosure sale date. Received letter 1st week of XX/XX/2020 that is not a 30 day notice. I requested mortgage forbearance and mortgage assistance from Fay Servicing under The Cares Act because I have been affected by covid-19. I'm XXXX my husband passed and my mortgage company refuses to assist me. Spoke with Vice President XXXX he said I was mailed a modification a few months ago, I never received those documents from Fay Servicing. I don't want to lose my home.
Product: Credit card or prepaid card

On XX/XX/2023, I received a consolidation loan from a federal XXXX XXXX. XXXX of the stipulations of the loan was that I was to close my account with Chase Credit Card XXXX. A letter stating I wish to close my account, and a check to payoff the balance at the time ( based off the amount online ) was mailed out on XX/XX/2023. The payment was received by Chase and applied to my account on XX/XX/2023. The day they received the payment and letter should have been the date my account was closed ( if not date of payment receipt then day after which would have been XX/XX/2023 ). On XX/XX/2023 there was a charge from XXXX for {$20.00} and change that I did not remember was connected to the Chase card. However, since my Chase card should have been closed I thought I would receive an email from XXXX stating payment was rejected and to add a new payment method ; that did never occurred. During the month of XXXX, I began receiving messages about a past due amount on my Chase account. I checked the Chase account to make sure it was closed, and was shocked to find I had an overdue balance of {$130.00} and change. This was when I realized the XXXX charge was never rejected and that on XX/XX/2023 an interest fee of {$84.00} and change was charged to my account ; an account that should have been closed at the beginning of XXXX per my letter. I messaged Chase about the situation and asked that the interest charges and late fee be removed. They replied stating that the late fee of {$29.00} and interest charge of {$1.00} was removed. I also stated that per my letter that they received in late XXXX XXXX, my account should have been closed. I let them know that I would pay the XXXX charge that was charged to the account, but requested to have the {$84.00} interest charge removed. They replied that they could not remove the interest because it was a residual interest charge and that any further requests to remove the charge would be ignored and denied. I stated that it was unfair that my account should have been closed prior to the interest charge being assessed and stated that they were a horrible company to treat a long time customer like this ; a customer who liked their company and would usually pay on time. Since sending my last message I have not heard back from Chase, even though I received an message stating my message was received and I should hear back in 2 business days. It has been 4 business days.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains inaccurate information.

In accordance with the fair credit reporting act if information is found to be inaccurate or incomplete or can not be verified must be removed this is a violate my rights 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions Thank you for your consideration, and I hope you'll approve my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 instrusctions.

15 U.S.C 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.