23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. the items I am challenging are erroneous and needed to be removed from my Credit report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX XXXX Balance : {$3100.00} 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
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 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: Student loan

First of all, I am the co-signer of a private student loan that my son applied for in 2008. My son began having financial difficulties and I began making payments on the loan periodically and recently paid over {$4000.00} to bring the balance down. My son recently died. When I contacted the company to request options for decreasing the interest on this loan, they put me in " forbearance '' status. I did not request this and I did not fill out any form to ask for forbearance. I would like to request a co-signer release given how much money I have paid out on this very old loan. On their website it states " forbearance prior to co-signer release may disqualify me and that a direct debit electronic payment may be necessary prior to requesting co-signer release. I paid {$200.00} which is more than requested this month ( my son died only 1 1/2 weeks ago ) so to put me into forbearance status when I made a payment and there were no payments overdue, was unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit bureaus ( XXXX, Equifax, and XXXX ) over a charge off that is on my account. All three credit bureaus are reporting late payment and charge offs in different months. I have sent proof about how they are all reporting different information with copies of my credit reports. I continue to get letters back that the information is verified from each of them even though they are all claiming a charge off in different dates. The accounts also show the account as closed different months of that year which I also provided proof. I have sent Dispute letters two different times XX/XX/XXXX online and XX/XX/XXXX through mail. I would like for this to be looked at as its hurting my credit score and it is against my rights to have inaccurate information in my credit profile. The information should be accurate across all three credit bureaus.
Product: Payday loan, title loan, or personal loan

My loan/account with creditor, Spotloan, was 30 days past due on XX/XX/2023, as a result of XXXX  XXXX and financial hardship ( evidence of XXXX can be provided upon request ). I attempted to log into my account on XX/XX/2023 and was unable to. 
On XX/XX/2023, I attempted to log into my account again. I was unable to log-in for a second time ; therefore, I contacted the creditor, Spotloan, to resolve the issue and gain access to my account ( Exhibit 1 ). 
On XX/XX/2023, Spotloan, responded to my request from the day prior, stating the following ( Exhibit 2 ) : " We regret to inform you that your online access option is unavailable due to the delinquency of your Spotloan account. 

You may call to make a one-time debit card payment or go over other payment options by contacting us at XXXX ( XXXX ) XXXX. 

Once you make a payment, you will have the option to log into your Spotloan account again. Be aware that interest on returned payment ( s ) accrues on a daily basis and missing a payment can get expensive fast '' As a result of the delinquent payment, the creditor, Spotloan, has revoked access to my online account. In addition, Spotloan, does not provide mailed statements. I am unable to view my account information, payment dates, past due balance or total pay-off amount. 
As the issues I am experiencing, as a result of XXXX XXXX, continue to improve I am working on reducing my debt and would like to start by paying off high interest loans/accounts, such as my loan with creditor, Spotloan. However, Spotloan 's revocation of my account access has made it so that I am unable to view any information regarding my account in order to appropriately plan repayment. 

A signed summary of this request is attached as Exhibit 3.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : -XXXXXXXX XXXX JPMCB Card is reporting a debt on my credit file that is not owed. I recently pulled my credit and noticed that they are reporting a debt that is very old. I have checked my state laws and checked with my state Attorney General and this is way past the statue in Louisiana. Not only is it past the statue in Louisiana but past the credit reporting limit per the FCRA guidelines. This needs to be removed off my credit report or you are violating my rights under the FCRA!
Product: Debt or credit management

In XXXX i had emergency XXXX for a XXXX XXXX, I tried to work with Capitol One. They did not reply only to say they are sueing me. 
They are trying to sue Me for an account that goes back to XXXX. They did send me a new Credit card in XXXX. 
I have not missed any payment on any bills or accounts since XXXXthey have contacted XXXX XXXX XXXX Attorneys for Capitol one I have told the law firm about the age and how I tried to work things out and that Capitol One has even given me a new Credit Card. 
I have been Subpoena again for the third time. 
My Accounts : all of them since XXXX including Credit Card has never been late or late charged just like all of my Creditors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX Case number : XXXX
Product: Debt collection

Automated robocalls to my cell phone on XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX all voicemails This company claims they partner with XXXX Hospitals in Florida At the time of calls from XXXX XXXX we had XXXX XXXX XXXX, NOTHING, No outstanding debt with XXXX Hospitals, their XXXX or their ripoff vendors XXXX XXXX has never provided any service to us When I finally had enough I called XXXX XXXX back, I had to provide all my information. This sounded to me like a scam, they wanted full name, XXXX XXXX I'm not giving that over the phone to someone who identifies themselves as only XXXX XXXX XXXX. I asked for last name, employee ids... no, they don't do that. 

I gave them a chance to proceed. I asked that they give me three birth dates of my wife 's date of birth, and if one of them is correct I will identify it and we can proceed They said they don't do that To me they were phishing for information from me and this was a scam They would not tell me what the alleged debt is for, how much etc Looking at all the reviews online, I did a wise thing. I am not alone. 
Looking at their robo call fines I did the right thing They said their calls are recorded. Good for you. Listen to mine that saw right through your scam. 

I have no files to upload as all medical bills have been paid. You should ask XXXX XXXX and XXXX XXXX to show why they are harassing me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX Account Number : XXXX Bal : {$340.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following inquiries from the credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) -- The following accounts violates my rights as a consumer 15 USC Code 1681B, I never gave any permission for any debt to furnish ANY information to any bureaus and it is assisanate my character as a consumer and my right to privacy violated my consumer right 15 usc code 1681A PLEASE REMOVE ALL ACCOUNTS AS THIS IS MY SECOND TIME WRITING AND I WILL BE REQUESTING A FINE OF {$1000.00} I have sent several letters to the bureaus in regards to this issue and none of the accounts has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a young kid and didnt know about credit or monitor it like i should have. Now that I am older i realize that my identity was used and I do not understand how people were able to open accounts without me knowing. Im still learning how credit works. I have fraud accounts from XXXX XXXX XXXX XXXX XXXX XXXX. I also have a bunch of inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, the failure of a consumer to dispute the validity of a debt may not be construed by any court as admission of liability by the consumer. This was written by congress under the FDCPA, 15 USC 1692g. Only I, XXXX XXXX, who is the consumer can validate these alleged debts. Therefore, under the provisions of the Fair Credit Reporting Act and the Gramm-Leach-Blilely Act, I hereby opt-out of the reporting of these invalidated and inaccurate accounts below. Therefore, if your company continues to report these invalidated and inaccurate accounts you will be in violation of both the FCRA and the Gramm-Leach-Blilely Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please also provide the signed proof that I, XXXX XXXX, gave your company to include ANY information to my consumer report. So the failure to provide me with the requested proof of the signed consent that I allegedly gave to your company makes you in violation of my rights under the FCRA. Also, each time your company attempts to illegally sell or furnish my information to other agencies or affiliates without my consent you are violating my rights and individual privacy as said so by congress under both the FDCPA and FCRA, therefore I demand that the inaccurate accounts above be deleted as soon as possible. 

I have provided all of my personal documents needed to process my dispute and locate me in your system. 

Please send me an updated copy of my credit report showing the deletion of these inaccurate accounts.
Product: Consumer Loan

My truck payments is 37 days late and the buy here pay here dealership will not entertain making payment arrangements and are aggressively pursuing repossession with a hired collection agency : Rockmore & Rockmore ( spelling? ) out of Texas. Rockmore has now called my place of employment and my mother 's cell phone, without even reaching out to me first to discuss. I have made arrangements with the dealership but they are not communicating this, or any other interactions we have had, to the collection agency.
Product: Mortgage

I have had numerous issues with Freedom Mortgage making escrow payments on time and accurately. Here are the most recent issues : XX/XX/XXXX- I called Freedom Mortgage and asked that they pay my property tax prior to the due date of XX/XX/XXXX so that I could avoid additional federal taxes. They paid the property tax on XX/XX/XXXX. Freedom did compensate me {$300.00} for this error.

XX/XX/XXXX - My insurance broker contacted me to say that Freedom had not paid my property insurance and they were concerned that I would lose coverage. I contacted Freedom and they stated that they never received a bill. We created a three way phone call with Freedom, my insurance broker and myself. The insurance company verified that they had the correct mailing address for Freedom and that they had mailed the invoice. I have had 5 mortgage companies and one insurance company over the life of this loan. Freedom is the only company that has not received insurance mailings.

XX/XX/XXXX - My insurance broker contacted me to let me know that Freedom had shorted my flood insurance payment by {$170.00}. This error leaves the property in jeopardy of not having flood insurance for a period of 30 days. Freedom stated that the lesser amount that they paid is what was entered into their system.

As a result of this pattern of errors and issues, I requested that I take over all escrow payments and the Freedom transfer all escrow funds to me. Here is Freedom 's response : XX/XX/XXXX - Operator XXXX - The insurance department does not accept emails, you will need to address this issue with customer care. 
XX/XX/XXXX - Customer Care Rep - Please email your request to customercare@freedommortgage.com. I sent my request to that address. 
XX/XX/XXXX - Operator XXXX - We do not respond to emails. Your request will be responded to via USPS within 30 days. 

In addition to the above concerns about lack of timely and accurate payments, it is clear that Freedom 's communications process is designed to obstruct consumer feedback and communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a Bank of America credit card in the mail for an amount {$6000.00}. I notified Bank of America I did not request this and they did close it. But when I asked to have removed from my credit report they refused. I did advise them that I have a Fraud alert and a credit Freeze on all 3 credit Bureau 's. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my credit report. They have continued to publish a wrong addresss on my file for years. They ignore letter and disregard my attempts to resolve matter
Product: Money transfer, virtual currency, or money service

Received Phone Call on XX/XX/2024. Identified himself as an employee XXXX XXXX of Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX He said someone was trying to wire {$9000.00} dollars to someone in Florida. Her name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He said the wire started in XXXX XXXX XXXX. I told him I did not authorize any such transaction. He then asked to have control of my screen so we could verify the transactions. I questioned him about this but I allowed it. I know that was my mistake. Then we supposedly backed out that transaction. He then said they were trying to steal my identity and I needed to move the money I had in savings to a different account so they couldn't get it. I followed his instructions by going to the bank and getting the rest out and then depositing the amount into a different account. He told me I would have all my money back in XXXX hours. The account that was supposedly the one that my money is in XXXX, Routing Number and then XXXX Account Number. I never received any money and the bank says this is my fault because I authorized the transactions. Yes I did but was told by someone claiming to be them from their phone number that I was being scammed.
Product: Money transfer, virtual currency, or money service

My Wells Fargo debit number card number was obtained through fraudulent activity via online on XX/XX/year>. Several transactions were made via XXXX XXXX after persons unknown made a profile with XXXX XXXX using my debit card number. The first transaction was for {$1.00}, the second for {$420.00} which Wells Fargo let go through. After that the perpetrators attempted several transactions in the amount of {$560.00} at that time I received a fraud alert text message from Wells Fargo asking if I was making this transaction. I replied No and got a response that my debit card had been blocked for my protection. I called Wells Fargo and advised that my card had been hacked and all these transactions were fraudulent. A claim was opened with Wells Fargo on XX/XX/year> which took XXXX days and after that time I was told that no error occurred with these transactions. I asked for the claim to be escalated because I did not make these money transfers that was showing XXXX, and I was in South Carolina at the time. I was told by a Wells Fargo representative that the money transfers were made via a cell phone and because Wells Fargo could not track down who made the transactions, they could not refund my money. On XX/XX/year> I contacted XXXX XXXX, and they were able to locate the transaction, the name that was used to make an online profile with my debit card number. I was given a case number by XXXX XXXX and advised to contact Wells Fargo again. I called Wells Fargo back and was told that because the case was closed, they could not reopen it. I was also told that their investigation showed that the chip was entered to process the transaction which is not true and not what I was previously told. Wells Fargo is refusing to refund my money However XXXX XXXX states they have all the information that Wells Fargo needs to prove I did not make these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, as part of a mortgage refinancing condition from AmeriSave Mortgage Corp., I received a grossly negligent appraisal on my intown XXXX house from XXXX XXXX XXXX in Georgia. The XXXX sq. ft. home was sorely undervalued at {$390000.00}, and the appraisal was filled with inaccuracies and omissions. The appraisal omitted or disregard the attached two-story XXXX sq. ft. deck, the attached carport, the XXXX storage room, and several appliances. The appraisal also falsely asserted that the house was not in an appreciating neighborhood, when values in the area has been and still are increasing, and it did not upwardly adjusted the value of the comparables accordingly. 

I immediately appealed to both the lender AmeriSave and the appraiser XXXX. The lender said that I can only use their assigned third-party company XXXX for any appraisals or reconsiderations. On XX/XX/XXXX and XX/XX/XXXX, I filed an appeal for reconsideration and a supplemental appeal, detailing every negligence or error made by the appraiser. The appraiser responded on XX/XX/XXXX with a denial of my appeal, and not changing the appraisal at all, keeping the appraised value at {$390000.00} meanwhile, not addressing any of the several points of error that I brought up in my reconsideration request. 

In the meanwhile, I sought a second appraisal opinion from an independent, highly reputable appraiser, XXXX XXXX. XXXX XXXX  appraisal was more detailed and carefully prepared. The appraisal, dated using the same facts of XX/XX/XXXX, was {$430000.00} an almost 9 % difference in valuation. I also provided XXXX XXXX with the original appraisal from XXXX as well as my reconsideration request and the companys response. He noted the various errors made by the previous appraiser XXXX. 

Unfortunately, this negligent, erroneous appraisal by XXXX, the company that AmeriSave insisted that I use for appraisal, was {$5000.00} less than the minimum {$400000.00} required to receive the rate-locked refinance loan at 3.125 %, and as rates had just begun to skyrocket, I was forced to accept the loan at 4.275 % which although lower than todays current rates, is quite a significant difference in monthly and longterm payments. In addition, I as the homeowner suffered other major financial and market losses due to the unfair and negligently prepared appraisal of the home.
Product: Credit reporting or other personal consumer reports

After I forwarded a copy of the FTC report, it became apparent that XXXX credit bureaus are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX