23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPD, My wife and I took out a mortgage on our home with Freedom Mortgage in XXXX to pay off student loans. Never once missed a payment. In late XXXX multiple notifications were sent to Freedom from the insurance company for renewal. Upon several unanswered replies, the insurance company canceled our policy. We have been able to get 10 notifications sent to Freedom trying to get them to renew the policy from the insurance company and the agent. I have emails from the Sr. V.P. of Freedom stating that they accept they were responsible for failing to make payment. 

We were uninsured for more than 12 months. We found out while we were making a claim for a frozen pipe burst under our house. Our insurance company stated we were canceled due to non-payment since XX/XX/XXXX. 

Our loss is greater than {$100000.00} and we are uninsured. We took out a policy and had to pay a premium price much higher than our old one due to the lapse in coverage. Freedom Mortgage has been on notice for 1 week and still have not acted to protect our home. This is 100 % their responsibility.
Product: Credit reporting or other personal consumer reports

I have been trying to unfreeze my Experian credit report for a year. They will not allow me on-line access. I submitted via mail all information requested to unfreeze my account and it still has not been unfroze. Customer Service there is horrible! No one answers the phone nor returns calls!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : On Tuesday XX/XX/XXXX, I appeared in court on this matter and it has been set for trial for XX/XX/XXXX. This is almost a year from now and I do believe I have given XXXX   XXXX plenty of time to provide me with the information I have requested to validate this debt they claim I owe. Not to mention if there intent was to ask for a continuance on this matter which would have only lengthened this issue even further. Since this matter has been set for trial, and they have yet to provide me with any other than billing statements, I should no longer have to carry the burden of this damaging information on my credit report. Unless they can show proof or provide me with anything else this should be removed immediately by the collector and if they fail to do so then the reporting agency should be notified and have action taken against them as well, I hope we can begin this process immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 requesting verification of the late payments on the attached accounts. I am sure I have never been late of this account and requested a detail payment history summary so I can see when payments were received into their system. The bureaus have failed to verify these late payments, but continue to report it. This is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Checking or savings account

My Great Grandfather started a trust fund/XXXX  Account with XXXX XXXX for me to collect when I turned the age of XXXX. Once I turned XXXX, I had the funds in my XXXX account sent to me through a check on XX/XX/XXXX. I deposited that check through Suntust mobile deposit on XX/XX/XXXX. Shortly after, I found out Suntrust put my bank account on hold and held my check for suspected fraudulent activity.
I was instructed by Branch Manager of the XXXX XXXX Ga XXXX XXXX XXXX XXXX, to go through XXXX XXXX XXXX to prove the check was not fraudulent and once proven I would receive my funds. After going through the process of proving the legitimacy of the funds with XXXX XXXX XXXX and having all fraudulent activity and history removed from my Suntrust account I still did not receive my funds. After many months of unhelpful back and forth between XXXX XXXX, XXXX XXXX, and myself, XXXX XXXX refused to contact myself or XXXX XXXX or answer any calls from XXXX XXXX. 
After contacting SunTrust customer service, on XX/XX/XXXX, and speaking with a representative by the name of XXXX XXXX they told me that they could not help me but recommended I speak with a different branch manager. 
On XX/XX/XXXX, I spoke with Branch Manager, XXXX XXXX XXXX of the XXXX XXXX in XXXX GA XXXX He stated that I had sufficiently proven the check was not fraudulent but Suntrust refuses to realese my funds to me unless XXXX XXXX agrees to issue a Hold Harmless Letter. After XXXX XXXX  manager, XXXX XXXX, spoke with XXXX XXXX regarding the situation ; she explained that XXXX can not legally issue this type of letter for this situation.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/1983 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIERES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get the free annual report from equifax. Their website is not working. Even though they offered to provide service on the government website - XXXX. 


Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 
How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : XXXX XXXX XXXX Request Service XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric,  water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. 

Download XXXX XXXX Return to Annual Credit Report
Product: Debt collection

AWA COLLECTIONS # XXXXTo Whom It May Concern, The reason for my dispute is AWA COLLECTIONS was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also AWA COLLECTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) AWA COLLECTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AWA COLLECTIONS is held liable as well for defamation and in the state of California indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AWA COLLECTIONS is in compliance with California LAW. AWA COLLECTIONS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit card

When we were in XXXX, a vendor accidentally XXXX billed a charge of XXXX XXXX, They issued a credit the same date, XXXX/XXXX/15. 
Unfortunately the XXXX charges ( same day ) were billed at different exchange rates and were billed US {$23.00} and US {$22.00}, but the credit ( same day ) was for US {$22.00}. 
When I questioned Citibank they were unable to assist me and explain how XXXX transactions were for different amounts on the same day, they told me to refer to XXXX XXXX XXXX. Does the XXXX XXXX XXXX exchange rate vary by minute? This appears fishy to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2021 I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX-2021. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to remove the remaining accounts
Product: Credit reporting or other personal consumer reports

It's unfair that I've consistently made on-time payments for this account and have never been late. Please correct my account to accurately reflect this.
Product: Credit reporting or other personal consumer reports

My account witXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in months that are reported late to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently applied for credit with XXXX XXXX for credit with XXXX but I was told by the above bank that a code come back to the bank from TRANSUNION CREDIT SERVICES : : The code is : : " XXXX '' after the bank " Decodes it the statement comes up by the bank XXXX XXXX and it lists the following Statement : '' Credit History Indicative Of Potential Invalid Identity '' Ive been reaching out by phone to Transition Credit Services since last year every time the Tranunion customer agent try to access my credit file its saying by the agent that a specialized agent with their fraud dept is handling my credit file, and that dept is always unavailable ( since last XXXX  ) Im able to leave my phone number so they can return my call, but as of Today : XXXX no one has contacted me back and my issues remain unresolved by Transition Credit Services ! !!

im hoping this complaint may receive some action to get to the bottom of this situation..

Thank You..
Product: Debt collection

Consumer Financial Protection Bureau Subject : Dispute of Incorrect Information and Request for Validation Pursuant to 12 CFR 1006.34 To Whom It May Concern, I am writing to formally dispute inaccurate information that has been reported to my credit file by Portfolio Recovery Association. This collection entry has been placed without providing me with the required validation information as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account, a right guaranteed under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

I hereby revoke any and all rights to owe any debts to Portfolio Recovery Association or any associated entities. Furthermore, I revoke all rights to communication, including emails, text messages, and phone calls, from Portfolio Recovery Association, and its representatives. 

In accordance with my rights under federal law, I request the following documentation from Portfolio Recovery Association to validate the alleged debt : 1. Purchase agreement between Portfolio Recovery Association and the original creditors XXXX XXXX regarding the alleged debt. 

2. Proof of license and bond for debt collection in Texas. 

I formally requesting Portfolio Recovery Association to immediately remove the following collection entries from my credit report : 1. Portfolio Recovery Association Amount {$730.00} I expect Portfolio Recovery Association, to provide the requested documentation promptly. Failure to comply with these requests may result in legal action to protect my rights under federal law. 

Please provide me with written confirmation once you have received this dispute and initiated the validation process. 
Thank you for your prompt attention to this matter. I anticipate your timely response and the swift resolution of this dispute. 

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

My identity was stolen and fraudulent accounts were opened. Per credit reporting laws I demand these fraudulent accounts be deleted from my credit reports immediately. TY
Product: Credit card or prepaid card

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

there was a real big computer glitch, which was TransUnion 's problem not mine, the glitch caused my inquiries to be deleted, TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added, being that it was there fault that they had a glitch, now I being held responsible and these inquiries added a hardship to m, and now my rights are being violated by TransUnion. please I 'm asking you CFPB to help me make TransUnion stop victimizing me and other people. I 'm Asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Debt collection

on  XXXX    XXXX   a young lady by the name of   XXXX   called my phone and stated that she could call my phone whenever she liked for people i do n't know, i asked her not to call and she said it does n't matter i will be putting it on her report, and i said i do n't know  XXXX   XXXX  and she say come on now yes you do, well it took me a while top figure out what company this was, so now i feel like she threaten someone she shouldn ' ; t have call
Product: Mortgage

I have asked my mortgage company ( Pennymac ) to defer 6 payments after the end of my forberance plan, but its taking them too long to make a decision and Im receiving calls from them in which they are harassing me to make the missed payments or they will send negative reporting to the credit bureaus as well as foreclosing my house. Please assist.
Product: Debt collection

Back in XX/XX/year> I received a letter from the I-9 identity theft department that my information along with my name Social Security number address email or anything particular to me was jeopardize and exposed during a breach. The letter was not sent out to me until XXXX so I was not made aware of anything until XXXX. I dont know which accounts are fried or not on my TransUnion account but I did let them know that I am a victim of identity. There for my information was breach and I did receive a lot of calls from credit card companies and car places in loans for people trying to apply for things in my name. Im new to this. I dont know anything about credit at all.
Product: Checking or savings account

I was told of a promotion ( Promotion XXXX ) from Citi in XX/XX/XXXX stating " you can earn {$400.00} with a {$15000.00} qualifying deposit '' with additional terms including " {$15000.00} must be maintained for 60 consecutive calendar days following the date of the qualifying deposit '' and " The cash bonus will be credited to your new Eligible Checking Account within 90 calendar days from the date you complete all required activities. '' On XX/XX/XXXX I went to the Citibank Branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. There, XXXX XXXX ( XXXX ) assisted me to open a new Citibank account . I opened the account with the explicit intention of benefitting from the promotional offer and complied wit the terms stated by it by depositing {$15000.00} and keeping them in for two months. In the subsequent months I met all the requirements to be awarded the bonus. Unfortunately, I never received the {$400.00} bonus. 

I personally met with branch employees three times in XXXX. The first time, around XXXX, I was told I had to wait 90 days to see the funds credited in my account. Of course, this did not happen. 
In XXXX I went to the Citibank branch at XXXX XXXX XXXX with this concern. I was assisted by one of your partners and was told that they would look into the issue and contact me with a solution. 
In XXXX I met another employee, XXXX XXXX ( XXXX ) who looked into my case and told me they would contact me with a solution. 

Finally I received a communication stating I needed to complete the W-8 tax form. I did this and sent it via both standard mail and email around XX/XX/XXXX. I still have not heard back even though I have asked both XXXX XXXX and XXXX XXXX to update me in this issue.
Product: Debt collection

Name : XXXX XXXX XXXX : Procollect, INC./ University XXXX XXXX : XX/XX/2019 but paid off XXXX Amount : {$1600.00} Actions : They set the status as paid but it continues to be open and not closed on my credit report.
Product: Mortgage

Improperly placed derogatory information on my credit report. Asked them to remove and show account at timely and paid in-full. They refused in writing.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and i did not recognize the account and it is hurting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have a rights under 15 USC 1681.

TransUnion is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$850.00} XXXX {$1100.00} XXXX XXXX XXXX {$8900.00}