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

XX/XX/XXXX I tried repeatedly -- maybe 20 times -- to create a credit security freeze and to access my credit report at Experian.com. Their website often reported that their own links could not be found. Several processes did not work in a variety of ways : the security freeze process, the process to upload documentation, the registration process, the process to request a credit report. In short, NOTHING that I 've tried over several hours over the past 2 days worked as their website indicated it would. For an organization as large as Experian with as much impact it has over the lives of U.S. citizens, this seems to me to be gross negligence.  Indeed, I suspect they are deliberately not allowing security freezes in the wake of the XXXX hacking, solely to protect their own business interests. Having been responsible for a consumer website at a large financial institution, I can not believe that their technical staff could be this incompetent.
Product: Credit reporting or other personal consumer reports

To whom this may concern these account are not mind this fraud I ask for proof and no one never responded back several times can you please have these companies verify all my information far mt signature and a picture my ID
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently disputed with all 3 bureaus a bankruptcy that they are reporting on my credit report that should not be on there. All 3 bureaus have ignored my letters and have ignored any other questionnable accounts I've addressed as well after learning about the FCRA. 

XXXX XXXX Bankruptcy REF : XXXX is showing on all of my reports and I have a letter from that court attached stating that they DO NOT REPORT that kind of information to credit bureaus. 

XXXX Account XXXX XXXX This violates 15 USC 1681 602A ( My right to privacy ) 15 USC 1681 604A Section 2 ( This furnisher was not given writted instructions or permission )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( per credit monitoring service ), I was notified of a collection account being place on my account in the amount of {$970.00} via XXXX XXXX. As I researched this collection account that does not belong to me, it was discovered that this was the exact same account that had been removed multiple times previously ( process documented via bureaus in XXXX and CFPB in XXXX ) due to being fictitious, inaccurate and the inability to verify the identity associated to this account. Not only does the account not belong and the fact that you are reporting inaccurate information on my consumer report, I did not receive ANY notice what so ever prior to reporting this to the consumer credit bureaus, both of which are in direct violation to my consumer rights and FCRA. More importantly, your reckless actions have caused a drop in my FICO thus causing additional damage. I demand that you remove this account immediately! In the event that you do not remove this fictitious account upon demand, I will take all actions necessary to seek legal action and compensation for said damages which are documented. Your prompt attention to the correction and resolution to this matter is highly recommended.
Product: Mortgage

Good morning, I am writing this formal complaint in regards to my mortgage with Freedom Mortgage. I have had this loan since XX/XX/XXXX, originally with XXXX. I filed for bankruptcy in XX/XX/XXXX. It was denied several times and confirmed on XX/XX/XXXX. 

XX/XX/XXXX, 12 days after Freedom Mortgage bought the servicing rights to my mortgage, Freedom Mortgage filed a motion for foreclosure. 
An Attorney XXXX XXXX of XXXX XXXX XXXX stated it was withdrawn because I was in Bankruptcy. 

XX/XX/XXXX Freedom Mortgage Filed another motion to foreclose. 

On XX/XX/XXXX XXXX XXXX, Legal Assistant with XXXX XXXX XXXX emailed my Lawyers office stating tat the cure had been satisfied. As you can see because the XXXX mortgage statement said I only owed {$1600.00}. As oppose to the {$18000.00} in XX/XX/XXXX statement. 

XX/XX/XXXX. The Trustee XXXX XXXX started the discharge process and Freedom came back with a cure that they could nopt explain where it was from. 

The first Monthly Statement after the Chapter XXXX was XX/XX/XXXX. It said balance due of {$4600.00}. I paid {$4800.00}. XX/XX/XXXX Freedom statement did not acknowledge the payment and hasn't since. 
I have paid all monies owed through the Trustees stated payments to the Chapter XXXX, In the amount 0f {$23000.00}. see attached. 
AS well as {$600.00} over what shold have bben paid since the cure was acknowledged satisfied on XX/XX/XXXX by XXXX XXXX XXXX. 

I have all monthly mortgage statements and pay history that I have sent to them. Freedom and XXXX XXXX XXXX refuse to acknowledge that the bankruptcy was paid in full of what was confirmed. 

The stress from this has been hard on my family. My wife had a XXXX XXXX last month and was diagnosed with XXXX XXXX. 

The derogatory reporting on my credit report is affecting my professional licensing. 
Freedom has told me several times that it was fixed and then they move forward towards foreclosure without notification. I have hours of recorded phone calls with Freedoms Call center showing this. 
They are now threatening me that if I do not agree to a modification at 3 % on a 30 year fixed, extending my loan another 5 years, by XX/XX/XXXX I will go into foreclosure again. 
So they think I'm worthy of a lower rate of 3 %, which is still .5 % above market pricing on a VA streamline but they still might foreclose. 
That sounds illegal to me. 
Please see attachments that validate everything I'm saying
Product: Credit card

CARDCONNECT XXXX This CC processing company has charged excessive fees that were not really explicitly stated. Some transactions were as much as 30 %. We have changed companies for our CC processing. CardConnect does not allow us to cancel our account. We have cancelled the account by their rules which are extremely ridiculous compared to signing up. They have held a credit from us for close to 4 months. 
Here is a copy of the email correspondence they required. 

ATTENTION, I am informing XXXX XXXX and Cardconnect that XXXX XXXX XXXXXXXX XXXX XXXXXXXX IS no longer a customer. Please close my account immediately. 
THERE IS A BALNCE OF XXXX THAT NEEDS TO BE CREDITED TO MY BANK ACCOUNT OR A DRAFT WRITTEN IMMEDIALTLY INCLUDING INTEREST AND PENALTIES THAT HAVE BEEN ACCRUED. 
This account was closed and emailed notice on XX/XX/year>. I have spoken with XXXX ID # XXXX. This matter needs to be resolved by XXXX today. 

SINCERELY XXXX XXXX XXXX From : XXXX XXXX [ XXXX : XXXX ] Sent : Wednesday, XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject I am informing XXXX XXXXXXXX and Cardconnect that I will no longer be a customer. Please close my account immediately. 

To Whom it may concern, I am informing XXXX XXXX and Cardconnect that I will no longer be a customer. Please close my account immediately. 
My Merchant number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please send me confirmation of account closure. 

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

Hello, My name is XXXX XXXX and I'm placing a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

TransUnion LLC and XXXX are reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

" ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

" According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Debt collection

Original Complaint : XXXX I never had any communication with the debt collect Berlin-Wheeler. Berlin Wheeler never contacted me with the notification or verification of debt to provide me an opportunity to pay the debt. I paid the debt directly to XXXX XXXX when the negative account appeared on my credit report. 

I moved XX/XX/2020. I do not believe this Collection Agency was in possession of my correct address or phone number so there is not way they sent me a notification of this debt. The company has since adjusted the balance to owed to Berlin Wheeler but did not remove the blemish from my report.

This collection should have not been placed on my credit report without prior notification. In the first paragraph if the response provided by the company states that their attempts to contact me were unsuccessful but they still reported the negative information on my credit file.
Product: Payday loan, title loan, or personal loan

I have tried to contact this company and showed them with court documents showing i was incarcerated during the time someone used my identity to open this account it is not mine i was in jail and to remove this due to the fact its not mine i was in jail i provided them with the court documents and they still will not remove it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Dear Consumer Financial Protection Bureau, I am writing to dispute the validity of a debt allegedly owed to XXXX XXXX XXXX ( creditor ). The creditor 's information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX *Account Information* Account Number : XXXX I dispute this debt for the following reasons : XXXX. Lack of verification : The creditor has failed to provide sufficient documentation verifying the debt. 
XXXX. Inaccurate information : The debt amount/account status is incorrect. 

Pursuant to 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I request : XXXX. Immediate cessation of collection activities. 
XXXX. Validation of the debt, including original contract/agreement. 
XXXX. Verification of account balance. 

Please investigate this matter and ensure the creditor complies with federal regulations. 

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

XXXX  XXXX  has reported a balance on my credit report that I had almost 14 years ago my new account has been closed the credit card that was 14 years ago was filed inside a bankruptcy that they are trying to collect on they froze my account couldn't make payments so I received late pays on my credit that took a big hit in my credit. I will be taking a class action lawsuit if this isn't resolved
Product: Debt collection

This company First Source Advantage has called my employer several times and left voicemail messages at my place of employment for me stating on the recordings that they are calling to collect a debt and leaving a number XXXX stating that if this is the wrong number to call and let them know. I do n't believe that they are supposed to leave messages at my place of employment stating that they are calling to collect a debt. Additionally, I called them on last week XXXX XXXX, 2016 and requested that they only contact me by mail. I informed them that someone else at my place of employment retrieved and listened to the message. However, they called again on today, XXXX XXXX, 2016, and left the same voicemail message at my place of employment.
Product: Credit reporting or other personal consumer reports

unauthorized inquires on my report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these inquiries for already a long time and yet the Credit Bureaus have not completely completed my requesets. Once again, I am a victim of identity theft and these inquiries were the results of sduch crime. Under the FCRA section 605b, these inquiries must be removed if the Credit Bureaus are unable to prove the authenticity ans validity of these inquiries. On the previous complaints I submitted, I requested that the Credit Bureaus probvide proof oc authenticity to support their claims that the disputed inquiries belong to my name. However, the Credit Bureuas have failed to do so, therefor, the disputed inquiries must be removed. However, upon reviewing my updated Credit report, the previously disputed inquiries are still reporting which is a clear violation of the FCRA. The disputed inquiries are as follows : XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX - XXXX Inquired on XX/XX/XXXX XXXX. XXXXXXXX XXXX - XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I Applied For A Platinum Card With XXXX XXXX, However I Was Denied. This Is Unlawful As I Am The Creditor Extending My XXXX XXXX This Company, and As The Creditor I Have The Right To What I Define What Credit Is To Me As Well As The Right To Authorize The Furnishment Of My Information In Which I Did Not. As A Result My Information Was Given Out and I Suffered A Lose XXXX and XXXX  anXXXX XXXX, Not Only That But It Showed Up On My Consumer Reports.
Product: Checking or savings account

Chase restricted my account and threatened to have my personal information blacklisted as fraud. This happened on XX/XX/year>. They informed me several days after restricting my account. After calling Chase, a " manager '' says that XXXX XXXX XXXXXXXX sent them a fraud alert on a check, because someone tried to cash a check at XXXX ( XX/XX/year> ) I deposited ( with no issues ) on XX/XX/year>. After contacting the dealership, they confirmed with XXXX  XXXX XXXX that there was no issue with my check and that the fraud was caught at XXXX with no issues. The dealership and XXXX  XXXX XXXX assumed the matter was finished and didn't have anything to do with me. They also informed me that there is XXXX reason as to why Chase is coming after me and threatening me, especially considering that XXXX XXXX XXXXXXXX did NOT contact them to go after me like Chase lied about. 

However, after talking to several people at Chase, they have tried to blame everyone else involved in the matter and have refused to do anything. The check was for over {$1000.00} which is a felony and can ruin my financial future by blacklisting me as fraudulent when the dealership and XXXX  XXXX XXXX have already cleared me. 

I will be taking legal action. Potentially ruining someone's entire life because they wanted to make up a fake fraud situation is pure harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX  ), XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX put a levy against my bank account without serving me on the suit. I was never once contacted by them, even though they claim the attempted to serve me multiple times. I travel for work and between that and other obligations I am rarely home. They claimed I received the papers on XX/XX/XXXX but I never once spoke to a person, received notice or even mail from them. 

They have frozen the funds in my bank account ( {$1900.00} ) all of the money I have to pay my bills and live. 

They email they had given me is returning as blocked, when I was trying to reach out to the company to provide all the documentation and paperwork.
Product: Debt collection

My complaint is that I recieved an offer to settle a debt from GC Service Limited Partnership, on behalf of XXXX XXXX, but they refuse to communicate or even acknowledge the reciept of negotiation requests from me or my lawyer. I had my lawyer respond to the settlement letter and reach out to both the collection agency and XXXX  on multiple occasions and both agencies refuse to respond. Each time I speak to XXXX about the attempts to negotiate, they claim there is no record, so then we send more letters and my lawyer attempts to contact them both.
Product: Checking or savings account

In correspondence to complaint number XXXX My sincerest apologies for making another complaint in regards to the same situation. But I received correspondence from PNC. It's very telling of the situation I'm in. Again, I was suppose to receive a check from the remainder of my balance that was closed. Well I received a account summary with the wrong account number. It shows the deceptive nature PNC displays to consumers who they believe are unaware. I believe this stems from my conversation with XXXX XXXX and maybe this was done by her behest or it's a part of PNC underhanded policies. But I have two uploads. One of a checking summary with the account number XXXX ( it's typed XXXX ). And another with the last XXXX of my checking summary. Also I never got written statements, everything was paperless.
Product: Debt collection

Have been using the Venmo app for almost 3 years. I was told on XX/XX/2019 that my account has been frozen due to unauthorized transactions and behavior not consistent with user agreement. I immediately questioned them about this through chat and phone and was told they would look further into it. On XX/XX/2019 I was told After thorough review of your transaction history and account activity, we did not locate any signs of account compromise or unusual device/location logins for this payment activity to be submitted. I have no record nor any feedback about how this issue came up and was immediately shut down by the Venmo support team. I was treated like a suspect and was threatened with collection action if I dont pay them this imaginary debt. I recently tried to log into my Venmo account ( XX/XX/2019 ) only to find out it was permanently closed, which prompted me to message the Venmo support team and inquire about the debt again. I received no human feedback rather a automated response saying : Venmo is at its sole discretion to deactivate accounts for activity we deem high risk at any time, per the terms of our User Agreement. I apologize that we're no longer able to serve you. I highly encourage you to look into alternative payment processors that may be a better fit for your transaction needs.When cases like this arise we do not release detailed information on our internal risk procedures for the ongoing security of our users and our platform. 

I am being told I owe {$700.00} for transactions not made by me nor authorized by me, yet am being accused and threatened with collection action. This is ridiculous treatment by a crooked company who clearly is looking to take advantage of its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act : Account Name : XXXX XXXX XXXX XXXX XXXX, Account Number : xxxxxx XXXX has violated my rights ; Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX XXXXXXXX XXXX XXXX, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX - CARD SERVICES, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX XXXX XXXX, XXXX, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX, Account Number : XXXX XXXX has violated my rights ; Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights ; Account Name : XXXXXXXX XXXX XXXX, Account Number : XXXX XXXX has violated my rights ; Section 602 ( a ) /15 USC 1681 states that I have a right to privacy.

Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX ( THIS IS THE ONLY INFORMAITON SHOWN ) ACCOUNT NAME : XXXX XXXX XXXXXXXX Original balance {$1300.00} I need help, there is a reporting of a collection that i have no record of, no proof nothing has been sent to me show to this has my signature and this is my actual debt!! I am tired or calling of sending emails to XXXX with no response they only send me a letter saying its verified. BUT ITS NOT NO PROOF IS SHOWED TO ME. LIKE A CONTRACT, SIGNATURE DOCUMENTS. NOTHING!! THERE ISNT EVEN INFORMATION ON THE ORIGINAL CREDITOR TO GET A HOLD OF!!!!

YOURE ABUSING MY RIGHTS AS A CONSUMER SECTION 604 15 U.S.C 1681 B SECTION 605 A 15 U.S.C 1681 C-1 SECTIONS 605 B 15 U.S.C. 1681 C- 2 I need this collection removed, this account does not belong to me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed with XXXX  to have 2 late payments removed from my account with XXXX  or any credit reporting agency filing a complaint thru CFPB on XXXX XXXX  had agreed to remove the late payments due to me being affected by Covid-19, the investigation thru CFPB which was closed on XXXX with XXXX has stated that the items should be removed byt the credit bureaus have let the items remain