23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against freedom mortgage for the following reasons : 1. Freedom mortgage has an accurately reported a foreclosure on my home which is a fraudulent foreclosure due to a defecation or a separation of my promissory note and title both are supposed to be held at the county clerk 's office in XXXX XXXX and there is no promissory note attached to the title so this makes it a separation which is illegal and is fraudulent and makes the mortgage know and void.

2. I also want to report a breach of contract with freedom mortgage in regards to my security deed I attempted to resend my security deed because I never gave freedom mortgage consent or consent to my securities interest so this is also security fraud I attempted several times to resend my security deed contract again I never gave freedom mortgage consent or provided a gift of convenience to my security interest.

3. Freedom mortgage Bank has reported inaccurate information regarding my account to the XXXX credit reporting agencies. This misinformation has adversely affected my credit score and financial standing.

4.misuse of Federal reserve loans I'm concerned that freedom mortgage may be abusing loans obtained from the federal reserve XXXX It appears that these funds are not being utilized in a manner consistent with the ethical banking practices, particularly in relationship to my account.

5. I also want to report abusive insurance policy ; the bank charged me while collecting on the insurance policy that was supposed to ensure my account this practice appears to be abuse of insurance coverage and has resulted in additional financial burden on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


I XXXX XXXX XXXX XXXX, a consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I noticed Ive been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), by XXXX XXXX Bank and Midland Credit Management Inc. in connection with the collection of an alleged debt. There is evidence of the use of abusive, deceptive, and unfair debt collection practices. These practices resulted in the infringement of my intellectual property rights. Under Florida law it is illegal to secretly record an oral communication without the consent of at least one party. I am hereby giving you advance notice that I may decide to record any/all oral communication with your company, using any recording device that I so choose ( including transcription ), in the event that I have to use to use it as evidence against you in a court of law to prove that you were noncompliant. So if you contact me by phone, you are therefore giving me consent to record. 
Pursuant to USC 1692c. ( c ) I am notify you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of illegal communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as consumer, and the original creditor I am demanding all of the following. 
I refuse to pay this debt. 
Send and Audit Trail pursuant to 5 USC 552a ( d ) including all documents, including but not limited, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else to the Consumer for review and validation ; Zero out the balance on this account and DELETE all accounts held by debt collector from all consumer reporting agencies. 
Remove all remarks and comments off all consumer reports ; Cease communication and use of my intellectual property. Unless it pertains the validation of the alleged debt or remedy for violations that occurred. Any furthers communication with the consumer must be in writing, delivered via mail to the mailing location above. 
Again, this is a notice pursuant to FDCPA ( Fair Debt Collection Practices Act ), Failure to honor demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall. 
a. ) Be taken as tacit agreement to the claims set forth, b. ) Grant the Consumer all demanded remedies, and c. ) May result in litigation ( Janetos v. Fulton Friedman & Gullace , LLP, 825 F.3d 317,325-26 ( 7th Cir.2016 ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf, citing Pollice, 225 F.3d at 404-05. ) Regards, XXXX XXXX XXXX XXXX. 
XXXX XXXX Person
Product: Credit reporting or other personal consumer reports

I have been with Oportun for 5 years and am at the end of my personal loan. I requested an extension on XX/XX/XXXX. The messages are recorded between I and " XXXX XXXX XXXX. This extension rolled over XXXX payments for XXXX to the end of my loan. The contract states that interest will still occur but that the payments are deferred. I agreed to the contract and it was generated on my account. The contract states that another extension may be requested if needed. 

On XX/XX/XXXX a second contract was obtained from XXXX XXXX. The contract I received was the same as the last where now a total of XXXX payments were deferred to the end of my loan and my maturity date is XX/XX/XXXX. I then made a {$220.00} payment on XX/XX/XXXX as per the Oportun automated system requested I make. My regular payments are {$110.00} every XXXX weeks. 

My credit reporting for XX/XX/XXXX now shows " 30 days late '' on my Oportun which is not accurate. 

On XX/XX/XXXX I called and spoke to a live representative who stated that she ONLY saw an extension for XX/XX/XXXX and not XXXX. After several minutes she stated she located the extension for XXXX mentioned IN THE NOTES of the account, but that the extension was not placed into Oportun 's system, causing the error and causing the account to be marked delinquent via reporting. I spent approximately XXXX minutes speaking to this representative to repeated that the extension was noted, BUT NOT entered into the Oportun pay system. I still have the contract that states it was. The representative also asked ME what my maturity date was per the contract as she did not see the information. I have never had ONE missed payment in 5 years and this is clearly, as stated by the rep, their fault. I have the contract in hand as evidence to have this 30 day hit deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reportig 3 fraudulent accounts to my credit. They dont belong to me and I am requesting their removal from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX  XXXX. partial account number XXXX. This account needs to be coded as an XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Consumer Loan

I have a car loan and I had a accident with the car and the injurance gave me the check for the damage to send to the bank were the bank deposit the check into my loan. Then they took the money back to pay the repair shop since then the amount on my loan is not correct and I contact the bank and they hang up the phone on me and last time I spoke with someone on chat the person did n't want listen I try to explain that the loan since they did the deposit with the accident check is off XXXX and monthly payment is no longer same.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX D.O.B XX/XX/XXXX : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Consumer credit reporting agency,, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of person credit cards and other accounts. XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries collections appearing on my consumer FICO credit report. I've attached a list of accounts in question the aforementioned accounts, collections appearing on my consumer credit report were not opened, made, or initiated by me. All of these are a result of fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX are showing id theft information related to cfb ftc cases and need to be removed today due to failure to provide proof of account ownership
Product: Credit reporting, credit repair services, or other personal consumer reports

The co-owner of an auto loan with XXXX XXXX XXXX XXXX XXXX filed Chapter XXXX bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX  to XXXX which is how I found out that XXXX incorrectly charged the account off and report as XX/XX/XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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. 




UNAUTHORIZED INQUIRIES : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to all three credit bureaus ( transunion, XXXX, and XXXX. ) Regarding errors on my credit report as well as inquires on my credit report. I've sent letters out on XXXX XXXX 2021 as well as months prior. I've yet to receive any correspondence from either bureau Regarding this matter. I need all items removed from my credit report and made whole again.
Product: Mortgage

I am a senior citizen who believes that I am a victim of Predatory Lending. Please note that JP Morgan is the owner of my loan/note and not XXXX XXXX XXXX XXXX XXXX XXXX. In my opinion, XXXX is a call center operation hired by JP Morgan to collect all payments and administer the terms of the note and security instrument. I received a letter from XXXX dated XX/XX/2020 congratulating me on qualifying for a JP Morgan Trial Modification. The Interest Rate of the proposed modification : 2.87500 % ; Amortization Term of the proposed modification:480 months ( A 40 year Mortgage ) ; A proposed trail monthly payment of {$880.00} for 3 consecutive months. I am currently paying {$1700.00} monthly. I have approximately 180 months ( 15 years ) or less remaining on my current loan with JP Morgan. At my current age of XXXX, I do not want to take on a 40 year mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to settle a collection account with discover on XX/XX/2023. I paid {$510.00} to settle the account and have it closed so it no longer reports late payments to the credit bureaus. Once I paid it, I called discover back to have them update the information. They updated it to show the payment and stated it would be updated fully to settled for less than balance owed within 30 days. It has now been 40 days and it has not been updated and continues to show a late payment for the month of XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I XXXX XXXX natural person and consumer pursuant 15 USC 3002 , is aware that XXXX, EXPERIAN, and XXXX are XXXX my federal consumer rights. The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. The FCRA allows a consumer reporting agency to furnish a consumer report for purposes In accordance with the written instructions of the consumer. I have not given my written instruction to report the following accounts XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX. These accounts have been sold to a third party debt collector. This information has been furnished without my knowledge, permission or consent. Pursuant 15USC 1681 a ( 2 ) a ( iii ) I have the right to be given a chance to direct the information about a transaction I had to be reported or not XXXX XXXX XXXX. Any transaction authorized by my social security number the real credit card defined under TILA pursuant 15USC1681a ( 2 ) b and must be excluded from you consumer report. Pursuant Regulation V a furnisher must conduct a reasonable investigation of a direct dispute if it relates to any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Investigated report must have sources of interviews of family and friends pursuant 15 USC 1681a ( e ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, You all are furnishing inaccurate personal information on my consumer report. Please see my attatched dispute to correct my personal address being reported. Only the address you see on my drivers license should be reporitng nothing else. I will attatch a copy of my drivers license as well. I also would like a copy of my consumer report after you delete the address you have on file and update my correct address.
Product: Debt collection

In XX/XX/2018 I began receiving letters from this company claiming they were collecting a debt for XXXX XXXX. They advised that XXXX sent them paperwork stating a balance was on my account due to XXXX employees falsely reporting a rental car stolen that I rented & failing to close the pre-authorization to collect the balance before falsely reporting the car stolen. XXXX XXXX XXXX XXXX collected approximately XXXX $ via phone & stated it satisfied the debt & they would send the debt verification documentation to me. The company never verified they have authority to collect the debt, sent any debt verification documentation or informed me of a right to dispute before I began demanding documentation in XX/XX/2018 because XXXX claimed they still had a XXXX $ balance despite XXXX XXXX XXXX XXXX stating they collected that debt ( plus hundreds of dollars in excess ). XXXX finally sent a record of the balance owed & it shows that XXXX XXXX XXXX XXXX collected hundreds of dollars more than XXXX alleges is owed. When called to find out what XXXX XXXX XXXX XXXX was doing, the call center reps began to act as complete fraudsters or scam artists by completely fabricating details, threatening to tell the court 's false information/alleging the criminal court 's had contacted them with false court dates/court information in order to intimidate me into paying more money. It should be noted, that XXXX employees fabricated statements to law enforcement in VA & MN in order to frame me for felony arrests by alleging I stole a rental car after the VA employees intentionally falsified information in the corporate database to have me maliciously prosecuted due to negative relationships between the employees & myself. That false report of a crime lead to XXXX XXXX XXXX XXXX contacting me alleging they were collecting the balance the employees intentionally left on the account to frame me for a crime. XXXX XXXX XXXX XXXX rep, XXXX XXXX, stated during the payment processing that the paperwork she has seen/conversations had w/XXXX ( allegedly/possibly, the parent company of XXXX XXXX XXXX XXXX ) shows the employees stole the car & framed me. I agreed to pay the balance of the contract in good faith after learning that the employees at XXXX had intentionally failed to collect payment in order to frame me for a crime. 
XXXX XXXX XXXX XXXX has called repeatedly, in a harassing format, demanding payments yet has refused to provide requested documentation of debt, authority to collect debt etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has sent document of loan paid in full XX/XX/XXXX. I have dispute this account in XXXX and XXXX of XXXX. The Loan amount {$410.00} placed XX/XX/XXXX. was paid off on XX/XX/XXXX and the closed was closed. Experian Credit report has account open with a balance. I have proof of paid off. Experian has not update this account since XX/XX/XXXX. Account # XXXX : XXXX. Please have account updated as closed and paid in full.
Product: Debt collection

On XX/XX/XXXX, I was notified of a negative action against my credit through my XXXX account. When I logged in a saw that there was a debt turned over to a collection agency : Company : CREDENCE RESOURCE MANA Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$1400.00} This debt is not mine and I can only assume someone is using my credit fraudulently. So far I have not been able to find usable contact information to contact this agency.
Product: Mortgage

ITS TOTALLY FALSE AND MISLEADING TO STATE I DID NOT WANTED TO CONTINUE LOAN MODIFICATION. SLS FAILED TO CORRECT AND SEND THE CORRECT AMOUNT OF TRIAL PAYMENT AS OF XX/XX/XXXX. 
ITS FRAUD AND DEFAMATORY TO STATE I DID NOT WANTED TO CONTINUE WITH REQUEST FOR MORTGAGE ASSISTANCE WITHOUT CORRECTING AND SENDING AMENDED TRIAL PAYMENT AND LOAN MODIFICATION DOCUMENTS. 
ATTACHED LETTER XXXX DELIVERY DATE ASKING SLS TO CORRECT PROPERTY TAX THAT WAS WRONG AS OF TODAY XX/XX/XXXX THEY HAVE FAILED ACKNOWLEDGED AND CORRECTED THEIR MESS. 
I HAVE NOT RECEIVED A CORRECT TRIAL PAYMENT AND AMENDED LOAN MODIFICATION DOCUMENT AS OF XX/XX/XXXX. 
RESPONSE TO MY COMPLAINT CFPB ALSO SLS DID NOT CORRECT AND PROVIDED AMENDED APPROVAL LOAN MODIFICATION DOCUMENTS. 
AS OF XX/XX/XXXX, SLS HAS NOT PROVIDED ME AMENDED LOAN MODIFICATION DOCUMENTS SO SLS SHOULD STOP BARKING LIKE XXXX WILD DOG I DID NOT TO CONTINUE WITH PRIOR RELIEF ASSISTANCE EITHER BEING XXXX, MENTALLY SICK, ABSENT MINDED OR UNDER DRUGS. 
ITS A BULL AND BALONEY I DID NOT WANTED TO CONTINUE BECAUSE SLS NEVER CORRECT AND PROVIDED ME AMENDED LOAN MODIFICATION DOCUMENTS. 
The last loan modification documents that was sent to CFPB XXXX WAS ONLY AND ONLY FOR LOAN MODIFICATION NOTHING ELSE. 
I I received notification additional information was needed in XX/XX/XXXX I called and spoke to XXXX in loss mitigation she told me I need to only submit application for loan modification no other documents were missing. 
I called on XX/XX/XXXX spoke to XXXX he told there were missing information and loan modification was terminated. He also stated business income and expenses of the business not included. This was included with my request with CFPB and I hope this was sent to SLS. 
After I spoke to XXXX on XX/XX/XXXX who confirmed the only missing information was in XX/XX/XXXX request was loan modification application. Based on that I provide loan modification application on XX/XX/XXXX that was the ONLY missing documents. 
I RECEIVED NO OTHER REQUEST AFTER XX/XX/XXXX ANY FURTHER INFORMATION THAT WAS MISSING FROM SLS. ANY MISSING INFORMATION DETERMINE AFTER XX/XX/XXXX I SHOULD MADE REQUEST IN EMAIL OR IN WRITING. 
SLS NEVER SEND ANY REQUEST FOR ADDITION INFORMATION AFTER XX/XX/XXXX THEREFORE TERMINATING LOAN MODIFICATION IS NOT FAIR AND VIOLATION OF LAW NOT TO REQUEST MISSING INFORMATION AFTER XX/XX/XXXX. 
SLS committed fraud and misrepresented me on XX/XX/XXXX from bunch of information that was requested only missing information was loan modification application.
Product: Checking or savings account

It's been 2 months since I filed my complaint about not receiving my product from XXXX XXXX XXXX. It's {$130.00} and I still have not received it my bank keeps telling me they are giving the company time so they can respond but it's already been 2 months
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX