23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was contacted by Freedom Mortgage that, as a courtesy, they could reduce my monthly payment without adjusting the term. It was portrayed as a courtesy and not as a full blown refi. There were to be no closing costs and all I needed to do was answer a couple simple questions regarding my current financial status. 

I considered this a great service as I have two loans with Freedom Mortgage, never missed or was late on a payment, and have a credit score over 800. 

On the morning of Thursday XX/XX/XXXX the sales rep ( Badge XXXX XXXX took my info and simply said she would call me back once everything was complete. No additional details or information was provided and nothing further was to be done from my side. 

She called back that same day : XXXX - no voicemail XXXX - no voicemail XXXX - voicemail " Hello this is XXXX giving you a call from Freedom Mortgage. Please give me a call back when able. My number is XXXX. Thank you. I look forward to speaking with you soon. 
XXXX - no voicemail No other messages or calls were received after this. 

Wednesday XX/XX/XXXX A letter is received stating : " We have received your request to withdraw your loan application and have cancelled your application request. '' I made no request to do this. 

Thursday XX/XX/XXXX I call Freedom Mortgage and get transferred to the sales agent above. She states that since I did not contact her within 3 days then she is obligated to cancel my loan. First time ever hearing that requirement. 

PLEASE NOTE : 1. She never stated any timeline to complete this refi process during the phone call review 2. She never stated any sense of urgency or timeline in her one voicemail 3. No message was received via e-mail ( all my information is in my profile including secondary numbers ) 4. No additional follow-up happened after that Thursday XX/XX/XXXX by anyone else at Freedom 5. If there was truly a 3 day window to review this application then why is the letter stating my loan has been cancelled dated XX/XX/XXXX ( TWO days later ) 6. She also stated that because it was on a weekend that the deadline hit that there was nothing she could do. 

MY CONCERNS : 1. My credit was hit 2. I have zero to show for it and a truly negative experience with a company I am in good standing with 3. She is obviously quickly selling loans and not positive financial experiences. Churn and burn sounds like the strategy - which leads to mistakes and people being taken advantage of. 
4. There is nothing but smoke and mirrors with this entire process by Freedom Mortgage 's rep. Hopefully this is not the overall strategy and this is only an error by one rep. 

While there is likely nothing to be done to rectify the impacts of this shady sales experience my hopes is that others can learn and perhaps additional measures can be implemented to ensure proper practices. This likely falls under Reg Z.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of XXXX data breachand I was not aware of this information until XX/XX/XXXX of 2023. However, I subsequently have been exposed and up for damages, untold, and unforeseen, consequences, and harm. I have disputed many, many claims with XXXX that have been completely ignored or overlooked until I made my claim for loss due to this data breach. I have had many aliases unknown addresses black web threats and actual fraudulent transactions on my report. That have since been removed as well as all of my disputes from my records, besides 3. XXXX continues to report negative information on my credit report. I have the highest interest rates on my personal loan, XXXX XXXX and the hardest time using my credit amongst denial for apartments and jobsbanks insurance denials and countless other disadvantages due to my report having negative incorrect information and accusations of my credibility and credit worthiness.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : SYNCB/JCP Account XXXX : XXXX Account name : XX/XX/XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name XX/XX/XXXX Account number : XXXX Inquiries :XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX : XX/XX/XXXXXXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation student loans not mine U S DEPT OF ED/XXXXL U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX
Product: Debt collection

We have a debt collector on behalf of Citi Bank repeatedly calling in reference to a credit card debt that was discharged in BK. 

We have, now on three separate occasions over the last year and a half called them and explained this was discharged. 

They continue to call me. They have also started calling my wife at her work place asking for me. My wife is not on this debt. The collection rep was also indignant and mildly vulgar when my wife told him she was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  as not updated my XXXX  XXXX credit card balance ending in XXXX and XXXX XXXX balance must be updated
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion customer service has fail to remove the below unauthorized inquiries that are reporting on my Transunion Credit report, and I would like to file a complaint against Transunion to immediately remove these inquiries. XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked and followed step by step the identity theft.gov 's way to handle these situations of identity fraud. I sent in all paperwork, every single document requested and needed for these companies to fix these issues and this is the second company to send me a letter stating there is nothing they can do. I want to take the investigation further as I have a very good idea of who the suspect ( s ) are and believe there is a fraud 'ring ' going on but I will finish working on my issues first. So after they received all necessary information to removed the hard inquiries from my credit report which I have worked tirelessly for years to get to where it is they just simply state they don't have enough information help, although all necessary document where sent to them. I had to go through this same process with CXXXX ( XXXX XXXX ) and now because it has been well after the thirty days I have to with the rest of them. I want to thank you for your help with them as they sent out a letter which must have been nearly immediately after receiving whatever they received from you apologizing and removing the inquires so thank you very much. Unfortunately I will be sending four or five ( I cant think of ther exact number right now of how many more they tried to open ) so I apologize in advance for that, I will probably copy and paste this as my hands literally hurt from spending all day on the computer looking up my rights and what I can do etc. So all I want from these companies is for them to remove the inquires from my hard earned credit report and any and all information on the applications etc they have from the fraudulent applications so I can move forward with my case against these criminals. Thank you so much, you guys and the XXXXv site have been unbelievably helpful ; when no one else was.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report I noticed several inconsistencies regarding the account US DEPT OF EDUCATION - XXXX ) in the ( Date Opened : ) & ( Last Reported : ) ( Date Last Active : ) ( Date of Last Payment ) section. Equifax is reporting date XX/XX/XXXX status, XXXX is reporting date XX/XX/XXXX status and XXXX is reporting XX/XX/XXXX dates can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. Account Name :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  : Contacted company multiple times about late payment not being late. 
_____________________________________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hi My credit report showed a late payment in XXXX and I asked the company to correct the error to remove the late payment from my credit report because I paid on time. Thank you.
Product: Credit card or prepaid card

On XX/XX/21, I attempted to make a transaction at XXXX for {$2400.00} on my coinbase visa card ending in XXXX, tied to account associated with email XXXX. The transaction could not be processed, so it was refunded. I made another transaction again on XX/XX/21 for XXXX and the same thing happened. In total, I'm owed {$4900.00}. I opened up a case with Coinbase to resolve the issue, and have the funds credited back to my account. it's been nearly 5 months since I did the transactions, so something is clearly wrong. XXXX # XXXX opened. XXXXReplied with requested information XXXXFollowed up on the case, asking for an update. To this date I have received no response. I've attached screenshots of the transactions in question, along with all of the email correspondence.
Product: Credit card or prepaid card

On or about XX/XX/2022, I entered into a payment agreement with Commenity as it pertains to my BJs credit card account. They agreed to suspend late fees, and drop my interest rate to 10 % for a period of 12 months. In exchange, I set up a payment plan of $ XXXX, for which they have been deducting from my checking account since XX/XX/2022. 
I noticed in XX/XX/2022 that Commenity was deducting the $ XXXX AND continuing to charge late fees of $ XXXX, plus the full 28 % + interest each month. 
When I called in XX/XX/2022, they denied that I had been approved for eligibility for their hardship program. They also denied the fact that I was ever in a hardship program, despite the fact that they set up the $ XXXX payment plan and continued to deduct those payments for 6 months based on a hardship program. 
They need to retroactively subtract ALL late fees from XX/XX/2022 AND recalculate the interest charges from XX/XX/2022 to today. 
If the above corrections take place, please let me know the amount I need to pay to bring the account current.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> Re : Account Number XXXX Dear XXXXLendly, I hope this letter finds you well. I am writing to request a goodwill adjustment for my XXXX/Lendly ( Account XXXX ), which has been paid off in full. 
Due to XXXX pandemic and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period, I had a medical emergency as I was exposed to the virus and due to this, I experienced financial difficulties that resulted in missed payments on my account. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused. 
I am pleased to inform you that I have since paid off the account in full and have taken significant steps to manage my finances more effectively. This experience has been a valuable lesson, and I am committed to maintaining a positive credit history going forward. 
I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments and eventual charge-off on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms.

Given my efforts to rectify this situation, I kindly request that you consider removing the late payments and/or the charged-off status ( paid in full ) from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX. 
I sincerely appreciate your understanding and consideration of my request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, has chosen to ignore and deny the FCRA Section 611 ( a ) ( 2 ), FCRA Section 611 ( a ) ( 1 ) ( A ), FCRA Section 605B, FCRA 609 ( e ), 15 USC 1611, FDCPA 809 ( b ). Furthermore to ignore and deny my rights of being a Victim of Identity Theft. Experian continues to violate FCRA by re-reporting an account that has already been Deleted and Removed. Experian has taken the law into their own hands to be bigger than Federal Law that governs them of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XX/XX/2016 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Vehicle loan or lease

Failure to pr

ovide the following : 1 ). Full disclosure of my right to rescind. 2 ). Transparency regarding the process of the consumer credit ap
plication being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that Carvana, LLC willingly and knowingly took advantage of me and my consumer credit. 

I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of {$1500.00} was needed to have the vehicle delivered. Pursuant to 15 USC 1605, a finance charge is sum of all charges.
Product: Credit card

I had a grandfathered fixed rate card who I established with National City back in XXXX. My rate by PNC was just increased and they said it was due to the prime rate increase and would not listen to me that I had a fixed rate card. PNC is actively engaging in consumer fraud
Product: Bank account or service

I mailed a check to my bank clearly marked " for deposit only '' with my signature and account # on the back of the check. It did n't show up on my bank statement. I called the bank and after several phone calls back and forth, the asst bank manager told me that the check had been cashed out. They surmised that it had been stolen and cashed with only initials under my name. But it was cashed at the bank I sent it to. They claim they never received it. And they have a policy of double endorsement -- that a second party could cash the check with proper ID. I asked for them to check and identify the teller. They said they could n't. More phone calls. I finally sent a letter to the bank 's District Manager asking him to verify their banking policy about " double endorsement. '' I did n't receive a response. He only referred the letter back to the original bank. I spoke to the bank 's manager and she said the check should have never been cashed, that I was a victim of band fraud. She came up with a plan to try to get my money back. After much legwork on my part, I got the bank where the check originated to file an " Endorsement Forged Affidavit and Agreement '' including a police report. This was sent to the bank 's security office. Months have gone by and I have not received any response. I have checked with other banks about their policies and I have been told that under no circumstance would they cash a check marked for deposit only to a second party, unless the first party was there in person to sign the check over to the second party! My feeling is that the bank who cashed the check made a mistake and they do n't want to deal with it and just want me to go away. I need help! I have copies of my correspondence with the bank, notes of phone calls, names of bank officials, etc. Thank you for your time.
Product: Credit card

Hello, On XX/XX/scrub>XX/XX/ I tried to make a minimum payment of {$33.00} THROUGHT THE app and my checking chase account that apparently did not go through for XXXX statement. today I logged into my account and saw {$29.00} late fee on the account. I immediately put in a payment again for {$35.00} and called the bank. My main concern was about me being reported as a late payment customer. The person on the phone kept misgendering me for the entire call, calling me 'miss ' even after I told her not to do so. I asked for her help and she kept repeating herself that {$29.00} fee will be assessed and I will be reported. I have a consistent record of payment on the same, after the billing statement day. There was a computer or app error this time, If i would have noticed it, I would have paid it within cycle, I was really checking on the next statement to pay today. I am looking for some help here please.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the listed account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} EXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items.

Jefferson Capital Systems LLC 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

Im having a issue with XXXX and Equifax credit bureau reporting false and inaccurate information about me thats causing me emotion distress and violating my rights as a consumer i would like if you can step in abd help me resolve this matter it has been more than the regulated time to clear up there wring doing and i haven't gotten a resolution that is fair and accurate. 
XXXX and Equifax is under violation for not following US 15 1692 ( e ) ( 7 ) ( 13 ) also US 15 1692 ( a ).

I sent this letter by USPS certified mail without receiving proper notice from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was tricked into freezing my credit beause thats what experrian advertised as to help me and it has made things worse for my credit!! I have not been able to release the credit freeze on my credit and its messing up all my credit I cant do anything I have no money Im a single mother and I need help pleases.