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

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXXXXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Thes are links to the emails that I am receiving. I already alerted my credit union of these and they told me to treat these as scam. Each one of these are giving information for a deposit, amounts, reference numbers, and other data. You may need to look into this. Also, I am receiving text messages. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

i was charged an annual fee end of XXXX on a few of my cards by american express and in the begining of XXXX they closed my accounts so i asked them to return my annual fees if they decided they dont want to provide me service anymore but was told its non refundable they shouldnt be able to take my annual fees and close my cards
Product: Credit reporting or other personal consumer reports

I reached out to Experian regarding some errors that I found that are on my credit report. I have reached out multiple times for them to fix them since XX/XX/XXXX. They have sent me corresponding letters since XX/XX/XXXX requesting additional documents. I have sent the required additional documents that were needed. I have been getting corresponding letters each month since XX/XX/XXXX requesting the same additional required documents. Every corresponding letter that was sent to me since XX/XX/XXXX I have responded to each letter with sending the additional required documents. I have attached receipts of when I sent the additional requested documents and I also attached additional documents to support my case In accordance with the Fair Credit Reporting act Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. XXXX XXXX XXXX section 602 A. States I have the rights to privacy. 15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Mortgage

Since XX/XX/XXXX I have been having financial issues. I have called the company Freedom mortgage for help to keep me from being late. No followed up. My payment changed in XX/XX/XXXX which I did not know so I was short XXXX bucks and considered late. I called about getting paperwork to refinance my home the following month is when I found out. I tried to get this resolved and paperwork for three months. I also have been having to pay my mortgage in payments as I get it but always get it to them before the end of the month. The way they apply my payments has started to make my account look off. They are also posting payments several days after they receive but continue to say they post same day they receive. However, I am Positive they do not. I am a bk   person whose mortgage was not reaffirmed. So with that being said they have told me they dont send statements but every now and then, they dont update my online account every now and then, wont give paperwork work to refinance, but will tell a refi company Im late on my payments. I am in a adjustable that i need out of and I want to leave freedom mortgage they are horrible at helping and handling my account. I have called every month for help and every time I am told something different and only given scripted answers and nothing is ever resolved. As a veteran and customer this is disappointing of how I am treated and how they are hindering me from getting my house situation together and KEEP MY HOME! Their practices are horrible and I know I am not the only one who feels this way. I have had my home for 8 years and have never been late or considered late up until now! I want this fixed and to get away from these predators!
Product: Debt collection

XX/XX/23 Call from a XXXX, XXXX, asking that I have XXXX call her. 

This occurs everyday, sometimes on Saturday and Sunday. Sometimes 3 and 4 times a day, and can be at anytime of day. I have blocked the number but they still leave a voicemail. 

the number comes back as : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX They never give a full name of who they are looking for. I am assuming my brother who lives in XXXX  XXXX. I have not spoken to him in some time and he does not return my calls. 

I am tired of the number of calls and timing. I have no idea what his business is with this company. Nor why they are calling me. I want it stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXT XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

To Whom It May Concern : I have lived in the XXXX County area for 24 years and want to spend my retirement years in my XXXX XXXX XXXX. I have always been heavily involved in community service, the last time being when I helped XXXX Link ( a non-profit organization ) market to people with XXXX that need help. 

I worked for XXXX XXXX for 10 years and then transitioned into marketing in XXXX. I was doing fine until my hardship hit in XXXX. My XXXX began to fail prior to XXXX, and after struggling for quite a while on the job I was finally forced to retire after my first XXXX in XXXX. After XXXX more XXXX ( the last in XXXX of this year ), I am now considered XXXX and on permanent XXXX. And on top of the fact that I could n't work anymore, I also had the cost of my prescriptions skyrocket as well. All of this caused me to fall behind on my mortgage payments. 

Unfortunately, I may be forced out of my home by my current lender ( Greentree XXXX since lately they have not been willing to work with me to retain my home. The only communication I have had with them is how much I owe on my mortgage and how to pay them. They have no interest in helping me and it appears as though they just want to take my home away via foreclosure. I have tried to obtain an affordable loan payment, but the assistance I have been offered has been minimal. 

Since XXXX, I 've been trying to get Greentree to modify my loan. I even tried with the help of other agencies including the XXXX. After dealing with Greentree on my behalf, all of these agencies trying to help me said it was " ridiculous '' how poorly Greentree was treating me. Every call made to Greentree resulted in having to leave a message that was never returned. When we did reach someone, we were told to submit paperwork -- -then literally the next day, I got a denial letter in the mail and/or that person was transferred to another department. When Greentree finally acknowledged my need to modify my loan, they came back with an offer that significantly raised my monthly payment!! Is n't it obvious with my hardship that I need a modification that makes it easier to make payments, not one that eats up over half of my fixed income? I know they have guidelines to follow when it comes to how much of a borrower 's income should go towards their mortgage payment ... .why would they make such an unreasonable offer? It sure seems like they are just going through the motions so they can put it on me that I did n't accept their offer of help, justifying their foreclosure on my house. 

Furthermore, my property value has severely declined as well. But I still want to keep my home!! I 'm not looking for a handout. I want to get back to normal and not be facing imminent foreclosure. It 's stressful not only emotionally, but physically as well. I just need someone to assist me in getting Greentree to use some common sense to solve this problem. I would be forever grateful for any assistance that can be provided towards that goal.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time Transunion in collusion with XXXX XXXX XXXX XXXX, continues to share my non public private information and as a financial institution and vice versa. Not only that but XXXX continue to ignore written request of account ledgers showing my credits debits, and principal accounts for the so called debt in question. this XXXX account has already been removed from XXXX and XXXX due to said violations. XXXX has still not provided any Accounting or internal records to proof their validity and contract to collect as debt overall. I have sent Transunion XXXX forms of identity as well a an Identity theft report to support my claim and with evidence upon the description of violation broke by both the XXXX and Transunion the reporting company. Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft '' Transunion SHALL a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. All measures have been taken by The authorized person for the Estate of XXXX XXXX XXXX. TRANSUNION HAS NOT IN FACT BLOCKED the account regarded on my identity theft report.I never gave expressed written consent, nor was disclosed this company will be sharing with third parties nor has put the notice of " we will be sharing you nonpublic personal information with proper notice or conscious notice to the Estate ( consumer ) Not only that but pursuant to 15 US Code 6802-6809 XXXX XXXX XXXX XXXX HAS NO LAWFUL RIHGT TO SHARE MY NON PUBLIC PERSONAL INFORMATION TO THRID PARTY AFFILIATES SUCH AS TRANSUNION.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX AND TRANSUNION credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX : {$370000.00}
Product: Mortgage

On XX/XX/XXXX, I applied and received a loan modification from Chase through the Chase Home Affordable Modification Agreement ( CHAMP ). Facing the threat of foreclosure, and being several months behind in mortgage, I hastily sign the documents. Not knowingly, that CHAMP was a fraud and involved predatory lending. 
I was experiencing some financial hardship, so turned to Chase hoping to save my home. So they offered me CHAMP. The Modification as XX/XX/XXXX, had Maturity Dare : XX/XX/XXXX. The new principal balance of my Note was {$290000.00}. The Interest Bearing Principal Balance re-amortize over 480 months with a Maturity Date of XXXX ( a Balloon Payment ). The New Principal Balance rate of XXXX annually. Monthly payments of principal and interest in the amount of {$2000.00} which amortize the New Principal Balance to the remaining Ballon Payment over a period of 310 months. The Maturity Date will be XXXX XXXX. 
I am a 24 year XXXX veteran and Chase never offered me to refinance with a veteran loan. I have written 3 letters to Chase to resolve this issue to no avail.
Product: Credit reporting, credit repair services, 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 Reporting Account Number XXXX, Account Number XXXX, Account Number XXXX, Account Number XXXX, Account Number XXXX, 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 1 681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX XXXX  Inquiry : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a vehicle loan with Global Lending Services that was taken in XXXX. It has been XXXX months and the loan does not appear in my credit reports. I called them and they say they have reported and it's not a problem on their end.
Product: Mortgage

We were working with Academy Mortgage to purchase a new home for our family of XXXX ( we have XXXX children ). They knew our situation, had pulled our credit report, had all financial documents and all the information they needed for weeks. We were set to close on our new home on XX/XX/XXXX. We sold our current home and had moved out on XX/XX/XXXX. All of our things were in a XXXX XXXX and we were staying in my mother in laws home ( a XXXX room townhouse with our family of XXXX plus her ) for those two days until we closed on our new home. We had the proceeds from our home sale wired directly to the title company for the purchase of our new home. Additionally, my father in law also wired $ XXXX as a gift to help cover closing costs. We received and signed the initial closing disclosures around XX/XX/XXXX. At XXXX ON THE DAY WE WERE SET TO CLOSE on the new house, the loan officer XXXX called me and said that we originally had an automated approval but because my father in law was giving us the $ XXXX gift, that prompted a manual review and NOW the only way we can have the loan funded is if we put down 10 % ( as opposed to the 3.5 % they had told us all along ). That wouldve required us to pull an extra XXXX XXXX DOLLARS out of our rear ends the day we were set to close!! Again, we were in a XXXX room townhome with XXXX people that we only had until THAT DAY to be in! We had already enrolled our kids in their new schools, paid deposits on utilities at the new house, the sellers of the new home had already packed up and moved out etc.. and now we were all completely screwed with no where to live and having to back track and un-do all the changes and updates. I also want to mention that as a small business owner, we were told that we needed to file our XXXX taxes and that the net profit had to be at a certain level to get approved. We messaged the woman at Academy Mortgage while filing our taxes and she said the net profit may be showing as too low so we had to reduce quite a bit the LEGITIMATE business expenses we were claiming so that our net profit would be higher, causing our taxes owed to increase by XXXX XXXX DOLLARS!!! and in the end we were told to come up with XXXX XXXX more or not get the house. So now on top of everything else, we owe the IRS $ XXXX in taxes that we shouldnt actually owe. Weve worked with Academy Mortgage before and had a great experience, and so I actually felt kind of bad to file this complaint but it was so egregious and has such a HUGE negative impact on me, my wife and kids lives that I couldnt not report it. To be very clear ; the issue is not that we didnt qualify at terms we could work with. The issue is the way it was done and the fact that we were strung along for 3 weeks when everyone involved knew and had all the information way before the closing date and yet they waited until that day to tell us that the down payment required had increased DRASTICALLY and if not met, there was no way we would be approved. THE DAY OF CLOSING!! Completely unacceptable, unprofessional and quite frankly un-human to do that to a family.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XX/XX/XXXX XXXX I am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft. I have filled out a report with identity theft also, I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 
Thank You I demand that the following account be verified or removed immediately : The following accounts is not mine Equifax Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

It has been a four year up hill battle with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. The fraudulent mortgage loan originated with Country Wide in XXXX Credit was obtained for over XXXX XXXX XXXX dollars in my name by a dishonest loan officer. The loan was put in my name and the loan officer without my knowledge then put through paper work giving the house to the occupants and leaving me personally stuck with the loan. I filed an identity theft detailed report from law enforcement. Law enforcement noted the numerous forgeries from the original loan. I can forward all documents to you at your request. XXXX and XXXX loan services have refused to block the inaccurate information. The occupants of the house became nine months behind when I learned of the fraud. My credit was ruined. There are multiple investigations currently being conducted and led by XXXX XXXX XXXX XXXX XXXX. I need the banks to immediately block this fraudulent inaccurate information according to the XXXX. The banks have all copies of the documents from the authorities and refuse to acknowledge law enforcements findings. The loan officer is currently under investigation for multiple fraudulent loans. I am requesting your help in resolving this matter with XXXX and XXXX In addition after providing ID theft documents to XXXX and XXXX they immediately blocked the fraudulent loans. 

Thank YouXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX, Still shows on my account with a balance and balance was paid in full in XXXX Of XXXX.
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXXXXXX, Dept of Ed XXXX XXXX & # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 section 602 a Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C.1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make a consumer report containing any of the following items 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

Previously, on multiple accounts, I tried to talk with Navient about lowering payments and the forced me into forbearance. I was out of a job and had no option. I also feel they misreported payments. There are late fee charges on my account that I dont recall making late. Also, they have made it very difficult to remove the co-signer from my loan. It has been years and the co-signer is still not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federal protection, consumer rights to privacy and confidentiality under 15 U>S.C. 1681 convergent account 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 XXXXXXXX15 U.S.C.1681 Section 602A States i have the right to Privacy,15 U.S.C.1681 604 A Section 2 : : a consumer reporting agency can not furnish a account my written instuctions,15 U.S.C. 1681c. { A } { 5 } States no consume reporting agency make any consumer report containing the following items of information Any other Adverse item of inform.other than record of conviction crimes which antedates the report XXXX yrs. Also 15 U.S.C.1681S-2 { A } { 1 }
Product: Debt collection

A company called Indebted has been. Emailing me in attempts to collect a debt. I repeatedly asked them to stop emailing me and contact me at the address that they have on fileas well as send a debt validation.. They responded that they can't do that and continues to email me.