23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX I signed a modification document, that stated unknown to me that I would be liable for XXXX for the modification. That amount showed up on my loan XX/XX/XXXX, and I was shocked. I did not realize such a thing existed. I feel I was taken advantage of during a time when all others were losing their homes, and I tried to retain mine. As a senior ciziten, I feel horrible that someone would even write such a document to keep someone in their home. Seterus enforced this and I am opposed to it. It is unhuman to do this to another person. Seterus, has received XXXX from Keep Your Home California for me XXXX, XXXX, to be applied to the principal balance, a statement that I asked to see prior to signing but they are not allowed to send until I sign the proposed modification which is fraud. I want to know where did the money go, what is the new principal balance and the documents sent does not clarity that. Why is my payment still so high. My payment prior to reciving the XXXX was XXXX per month. Now, with the XXXX applied my payment are only reduced by XXXX a month. When contacting Keep Your Home California they said it's should be worked out between me and the service but Seterus told me to sign or else.

I fear Seterus as they are not a good company and they do not have clients interest especially elders at hearXXXX. Can you help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with US Dept of Education was paid in full in XX/XX/2019 and my credi report in XXXX for Equifax was updated to show paid in full. Then in XXXX my credit report was updated stating I owed {$560.00} and was in collection. I tried disputing with both Equifax and Dept of Ed and equfax is stating this is the information they are receiving whereas Dept of Ed is saying they are reporting paid in full. This is impacting my score and it seems like either the information has been sent wrong or equifax is not updating my report. Attaching a screen shot of My equifax report to show what XXXX said and what it currently says.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from US BANK RMS CC located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013. The balance showing owed/charged off is {$2700.00}. I have no knowledge or ownership of a credit card account from US BANK bank.
Product: Mortgage

Hello I have had home mortgage with Freedom mortgage for many years. 
it was originally with another company and later Freedom mortgage bought the loan. 
Freedom mortgage keeps calling and send emails and letters to refinace. 
Around XXXX time XX/XX/2021 XXXX XXXX with Freedom mortgage called me as sold me on refinance. 
I have excellent credit and auto pay since my inititaion of loan. 
He convencied me that it was a simple process. 
They send intial letter and i submitted everything.. 
every two to five days they will ask for something else. 
I repeatedly told them on recorded line need a list of things they need once and for all... otherwise i am wasting my time and they cant pay me for my time and its not worth the hassle. 
Many times on recorded line i have asked for a manager or supervisor to call me .. no call yet.. 
I feel i have been harrased for something they insisted on doing.. i didnt call them for a refinace.,,, they did. please some one look into this matter it should be simple.. 
Refinance check list ... 1..2..3.. 
I dont want comsumers harrased specially the hard working people that pays on time and never late on payments.. 
XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX  Freedom MortgageXXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2024 [ XXXX, Equifax, XXXX ] Dear Sir/Madam, I am writing to dispute the accuracy of certain items on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following accounts : US DEPT. OF EDUCATION/XXXX  - Account Number : XXXX DEPT OF ED XXXX XXXX  - Account Number : XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I believe these accounts are inaccurately reported on my credit file, and I request their immediate removal. The Metro 2 coding associated with these accounts does not accurately reflect my credit history and is in violation of the FCRA. 

Furthermore, the reporting of these accounts is in violation of various sections of the United States Code, including but not limited to : Section 1681s-2 ( a ) ( 1 ) ( A ) of Title 15 : Obligations of Furnishers of Information to Consumer Reporting Agencies , which requires furnishers to provide accurate information.

Section 1681s-2 ( a ) ( 8 ) of Title 15 : Duty of Furnishers to Provide Notice of Dispute, which mandates that furnishers investigate disputes forwarded by credit bureaus. 

If these accounts are not removed from my credit report within 30 days, I will have no choice but to pursue legal action against the credit bureaus and the furnishers of this inaccurate information. 

I expect your prompt attention to this matter. Please provide written confirmation of the actions taken within the specified timeframe. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain items contained in my credit report maintained by your bureau. This letter serves as a follow-up to my initial complaint filed with the Consumer Financial Protection Bureau ( CFPB ), wherein the items in question were deemed verified by your agency. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S.C. 1681i ), I am entitled to request and receive a detailed reinvestigation of the disputed items. I hereby request that you reinvestigate the following item from my initial CFPB complaint and provide a detailed explanation of the source of information you used to return a verified response : XXXX  XXXX Account Balance : {$2400.00} Date Opened : XX/XX/XXXX Please be aware that under FCRA 611, you are required to conduct a thorough reinvestigation of my dispute. If, upon reinvestigation, you can not verify the source of the information used to substantiate the verified status of the contested item, you are obligated to delete this item from my credit report. 

Additionally, be advised that willful noncompliance or negligent noncompliance with the FCRA may result in litigation for any credit denials or damages that arise from the continued presence of inaccurate information on my credit report. Should this matter not be resolved to my satisfaction, I am prepared to take further action to protect my rights, which may include initiating litigation. 

To assist you in your reinvestigation, I am including copies of relevant documents that support my claim. These documents include : CFPB Complaint XXXX XXXX FTC Identity Theft Affidavit I expect a response from your office within the 30-day period mandated by the FCRA. If you are unable to verify the accuracy of the disputed item, please delete it from my credit report and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Student loan

Once Mohela became my loan servicer in early to XXXX, I submitted all documents required to ensure that I was on top of my loan and that they had the current information required. This included of course updated contact information, but also verification from my employer ( US Dept of Housing and Urban Development ) to demonstrate that I am a federal/public sector employee and will qualify for the public service loan forgiveness program ( PSLF ). I never heard anything back from Mohela. 

I then submitted my first income-driven repayment application for the fiscal year XXXX on XX/XX/XXXX and heard NOTHING back. 

I submitted the same again on XX/XX/XXXX and heard nothing back. 

After 2-3 months in late XXXX of receiving bills with wildly inaccurate amounts, which reflected both that the loans had not been consolidated during the loan transfer to the servicer AND that IDR had not been applied, Mohela itself XXXX out my balance, froze interest accrual, and then said payments would be due in XX/XX/XXXX. AFTER I was notified of this, Mohela canceled the IDR document I submitted XX/XX/XXXX with no explanation. 

As of now, they have ( 1 ) DENIED the original IDR document submitted XX/XX/XXXX with no explanation or notification ; ( 2 ) resumed billing to the originally very accurate and very high amount, AND are charging interest AND claim that I am past due. 

I have tried to contact them via phone and email and can not get through on the phone or get a response. 

At this stage, since I can not get an accurate billing statement and this is potentially affecting my credit rating, I am considering legal action.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX  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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Student loan

Background : This complaint is a follow-on to case number XXXX ( the " Original Case '' ) because I received an auto-generated response on that complaint that more information was needed, but the CFPB customer service at XXXX was unable to assist me on XXXX XXXX because the Original Case did not give consent for CFPB to release my personal contact information. Your phone representative asked me to resubmit the case with consent to publish my personal information, as I am now doing. 
* * * Complaint : XXXX processed a consolidation loan for me in XXXX XXXX, 2016, that repaid and consolidated XXXX prior direct loans : XXXX with XXXX and XXXX with University Accounting Service ( on behalf of my university ) ( " UAS '' ). In the repayment process, due to passage of time and intervening payments I made on my UAS loan during the consolidation process, XXXX ended up overpaying my UAS loan by {$520.00} ; UAS says they issued a refund in that exact overpayment amount to XXXX on XXXX XXXX, 2016, but XXXX claims not to have received the refund. Despite my requests to UAS via phone call ( in XXXX ) and the UAS website ( XXXX XXXX ), XXXX has not provided any proof that the refund was issued or further information about the refund so XXXX can research what happened. 

I have worked with UAS and XXXX to resolve the issue, but their customer service departments have been unable or unwilling to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX 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.

15 U.S.C 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX The CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information from appearing on my consumer credit report that is that result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan or loans, credit cards, and other accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in serval hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being mentioned by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Product: Credit card

I believe the account is invalid. XXXX XXXX Midland Credit Management ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. MIDLANDCRE 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX and 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 XXXX  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

This debt is a result of identity theft. It is from Midland Funding LLC. They state that I owe them {$3300.00}. I do n't.
Product: Student loan

I made student loan payments in XXXX and XXXX, and they were listed as received in my account. This month I got a notification that neither of my student loan payments were received and that I am now in delinquency. I attempted to make the late payments, but I keep receiving emails that my bank declined the payments. At first my account says that my payments were accepted, and then it says they were declined and late weeks after the fact. I'm really frustrated because now it's asking for 3x my normal student loan payment and saying I am in delinquency. I can't make a huge payment at the moment and it's troubling that my payments were never received and I wasn't notified. My loan servicer is Edfinancial services. I tried calling and they never pick up and I sent and email and haven't heard back. I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keep reporting inaccurate information to my report it was remove last year now this year it Showing on my account with a new date also once more I need this information to be delete off my credit report from Equifax becuse its not accurate and its hurting my credit score Creditor name : XXXX XXXX Date reported : XX/XX/2022 Bureau name : Equifax
Product: Checking or savings account

I had a XXXX  XXXX  account with Chase bank. They purchased XXXX XXXX after its bankruptcy and transferred my XXXX XXXX XXXX  account to Chase. Chase claims they sent a form to me to update democraphic informaton and then closed my account because they didn't get the form back. They issued a check for the remaining funds in the account to my home address but the check is made out to the name of the XXXX. I can not cash this check at any bank because only the XXXX name is on the check and I no longer have a XXXX  checking account. They are locking up my funds and denying me access to funds that are rightfully mine. They said I can try to open an entirely new XXXX  account using the same name with them and try to cash that check with a new XXXX. I think this is wrong that I am an authorized signer on the account and the owner of the account and they are denying me access to my own funds.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Us bank reliacard has frozen my account it's going on two months and now I'm getting evicted given them all documents they needed and still nothing I called everyday and nobody seems to care what I'm going thru I need my funds they have no right to do that to me just because I did some disputes I wished they would if told me
Product: Checking or savings account

I opened an account with Wellsfargo and several days later they closed my account for no reason. I had initially funded it with {$50.00} and wellsfargo pulled the money from my bank account but never returned it. Called then multiple times and they said the check was in the mail or they never received it. Got runarounds from different department. Never would bank with them again
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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