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

I've been trying to fix my credit reporting since last year by sending legal documents to the Equifax and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do which is a federal government website. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX inquiry date XX/XX/year>XXXX XXXX inquiry date XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Mortgage

Freedom Mortgage keeps charging me late fees even though they are receiving my payment within the contractual grace period. I am not the only one. I was in line at the post office and asked why my payment took from the XXXX of XX/XX/2022 to arrive until after the XXXX of the month, when payments to states further away are received by mail in 3 day with another company. 
The post office advised me that this is not true. 
Freedom Mortgage has done this to me several times, AFTER I advided tham that I do not want to be on their calls and advertising lists for them and their affiliates. I think these charges are fraudulent, should be investigated and collected for a class action lawsuit!!!
Product: Credit reporting or other personal consumer reports

There is an unverifiable public record reporting on my credit report. I contacted the court listed to which they advised that do not share any personal identifying information with any third party. I personally did not authorize any third party to collect and share my personal identifying information with any person or company. I have previously disputed this public record with XXXX and XXXX to which they have responded that it has been verified as accurate. This is not true. I spoke with XXXX and they have advised that XXXX reported the information as accurate. This is a violation under 15 U.S. Code 1681b. I previously spoke with XXXX and they advised that they were unable to verify the public record and removed the entry from their database. I will be attaching the letter from the courthouse which states that they did not share my personal identifying information. I will also be attaching the letter I received from XXXX that stated they were unable to verify the public record and previously removed it from their database. 

This week, I spoke with XXXX employee on three different occassions. On todays date, XXXX finally stated that it was not XXXX who they retrieved their information from but instead, XXXX XXXX XXXX XXXX XXXX As stated previously, I contacted the court listed to which they advised that do not share any personal identifying information with any third party. I personally did not authorize any third party to collect and share my personal identifying information with any person or company. This is a violation under 15 U.S. Code 1681b. 

I will be attaching all supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Investigate and correct or removed the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Complaint : I communicated with this Bureau previously about debt ( s ) and inquired why was the debt listed on my credit report in XX/XX/2017. I made the Bureau aware that I had no knowledge of the bill because the hospital did not notify me by mail or any other form of communication to my knowledge. I wanted to resolve the matter so I informed the bureau that I had medical insurance and instructed them to contact my medical insurance company to see if they would retroactively pay the bill. The Bureau agreed and said they would contact me later to inform me of the outcome. I updated my information with them so they could mail me any updates concerning the matter but they failed to do so. Consequently, the debt is still on my credit report. I never received nothing in writing in regards to the bureaus communication with the insurance company nor the dispute. Not even a call. I recently requested the Bureau to dispute the matter for me and they refused. I informed them that I wanted a statement of account and to remove any negative reporting from my credit until I'm given written verification of the account and also a chance to resolve it esp. due to financial hardship at this time. The Bureau acted rude and very unprofessional as though they did not want to resolve the matter nor did they want to file the dispute. I should of had a fair opportunity to resolve it before the hospital sold the debit to a third party collection agency and filed a negative report ( s ) to a credit bureau.
Product: Mortgage

Yearly habit of not paying our home owners insurance from the escrow account. Letting our policy expired then threatening us with increased in mortguage payment and shorting our escrow account. XX/XX/19 HOMEOWNERS INSURANCE NOT PAID FROM ESCROW DESPITE receiving the bill from XXXX XXXX. This is a yearly occurance from this mortguage company Loan care out of XXXX XXXX.Please read below.
Product: Credit card

On XX/XX/year> I contacted Capital One bank supervisor about a payment I made to the credit card ending in XXXX on XX/XX/year> for {$290.00}. The payment was processed out of my bank account and the funds were received by Capital one, however my credit balance has remained at {$0.00} for the past XXXX days. While on the phone with XXXX employee number XXXX position XXXX and disputes account XXXX informed me that Capital One will process my funds by XX/XX/year> which is XXXX days later. I instructed XXXX to either approve my funds manually so that I can use my credit card or provide me a full refund of my funds. The employee told me that I wont be receiving any resolution because their vague, unclear and inconspicuous agreement allows them to basically do whatever they want on my account and with my funds. I informed XXXX that this situation has been ongoing with this bank and I have suffered severe XXXX XXXX XXXX XXXX  anguish due to the abusive, deceptive and unfair practices. She ignored my questions, concerns, failed to solve the issue and continued to falsely misrepresent information regarding this matter. 

XXXX is not even a XXXX resident or works in the XXXX she is a foreigner trying to advise an American consumer on Policies and laws that apply to the United States. XXXX is located in the XXXX and has no background in banking law or consumer credit protection laws yet she is attempting to instruct me on how things work and what I can and can't do with my account or funds. I find this highly disrespectful, rude and deceptive.
Product: Payday loan, title loan, or personal loan

I had made a deposit to my investment bank checking and because it was fro an attorney and not a direct deposit they have to hold the check several days until it clears their bank. In the interim my payment I had sent to Heights Finance came through and did not clear. So I got notice of it from my bank and called Heights to tell them and the assistant said I would have to wait until it comes back to them to pay it as I was going to pay it by phone the same day. Several days later she called and said it had been returned but also informed me they only accept payments by check, no debit cards. I have never in my life heard of anyone only taking checks and I used to be an XXXX XXXX at that very location. I then asked to speak to the XXXX about it and she called me back on my lunch and said them at is the case, no other way to pay. I told her I would just pay it on their site again with a check than. I also told her it would be easier to just walk it in and asked if they have a location in XXXX where I work. She said yes they do and that they could take the payments for me there. I told her I just wanted to move the account to the XXXX location and she said they cant do that. I know they can because every loan company does so. I just moved my other loan I have to XXXX too. She just doesnt want to lose the account. She has already lost my future business anyway as she and her assistant were rude, they dont let you pay with debit card and I dont like checks because they deliberately send them through slowly to try to cause people fees, which they are now trying to gouge me for. It is bad enough they are charging me XXXX % interest when I have excellent credit but just dont use credit much and I work for the State of XXXX! I just told them I would pay the full amount when I got paid the XXXX and then they sent me a letter today harassing me about it again and this time threatening possible late fee and adding of course a {$25.00} NSF fee! I hate people like these always trying to take all they can get from people. I am paying the loan off in a couple of payments and never going there again. I just looked online and their reviews are horrible they are not like they used to be XXXX yrs ago when I worked for them. I tried calling the XXXX number which is suppose to be their corporate office and the phone rings then goes dead. I have a right to have my loan moved wherever I please and I want it moved to XXXX XXXX. I also want to know why this company is only allowing payment by check unless they are doing so for fee income off of NSFs.!!
Product: Mortgage

This is the letter I sent after my loan closed : First, this process started out terribly with my original communication with my Loan Processor XXXX XXXX, the first time we talked her communication was XXXX, bordering on XXXX, and she asked me for documentation of several items without clearly explaining how I was supposed to get them. Then she was rude and frustrated with me when I asked for clarification. At this point it should have been a red flag for me and I should have just looked for a different lender. 

Second, along with the previous communication from XXXX, I received several phone calls from her with an " update status '' where all she had to tell me was that she had nothing to tell me. To me as a consumer of your product that feels like no work was being completed on this project. Not only was this not helpful but it was extremely aggravating. 

Third, I understand the appraisal took a long time, but every time I asked for information on the appraiser, I was given nothing. Finally, a week and a half ago I was given knowledge that the appraisal isn't even ordered by you, it is ordered by the VA regional home loan office in XXXX. Of course, I wasn't given any contact information for them, so I looked them up myself and called them to get the process expedited. To me this is unacceptable and is something your team should have been doing all along. 

Fourth, as I was working with your team and started getting upset with this process, I requested to not be contacted by XXXX anymore ( this was completely ignored ) and I asked for assistance from your management team to finish this process up. I was contacted by XXXX XXXX, who said she would help facilitate and expedite this process. She did help to get the ball rolling, but as my communications progressed with her the return calls became non-existent. The last conversation I had with XXXX, she told me that a loan this small was normally a big deal but had basically insinuated that I had made it a big deal. I can't tell you how frustrating that statement came across. I know that {$500000.00} isn't a big # in the grand scheme of things for XXXX as a whole, but that definitely made me feel like being a valued customer who hasn't missed a single payment in years meant nothing to your team or company. Not to mention that borrowing any sum of funds in this amount for most American families is a life time event. 

Because this process took so long, I have had to rent back my current house for 8 days, however I still will be homeless for three days starting Wednesday of this week, to me this is unacceptable as this process was started over a month and a half ago. I feel that XXXX should help out with providing credits for a few months of payments, or some other benefit to help me and my family out after this long and painful process. At this point I will not be recommending anyone I know to use XXXX. I thought about sending this email to the VA regional home loan office as well but I will hold off until I hear a response back from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed Transunion a certified letter disputing the accuracy of the bankruptcy on my Transunion credit report. I received Transunion 's dispute result, file # XXXX datedXX/XX/XXXX, which stated the following : Page 1 of 5 states - " In the pages that follow you will see your detailed investigation results, including the business name and contact details of the source of the information. '' Page 4 of 5 states - " Ohio Federal Court -  XXXX '' along with their docket #, address and phone number. On XX/XX/XXXX at approximately XXXX XXXX I called Transunion to ask if they contacted the court directly to verify the bankruptcy information. XXXX XXXX was who I spoke with and she stated that Transunion verified with the court. This is a FALSE investigation because I have an official letter from that U.S Federal Court stating " Please be advised that the Clerk 's Office does not report any information to the credit reporting agencies. '' Transunion did NOT contact the court as they stated in the dispute result and I am asking that the bankruptcy be removed from my Transunion credit report due to the dishonest investigation done during this dispute. I have attached the Transunion dispute result and the letter from the U.S. court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried fixing this on my own directly with the credit bureau and it has yet to be fixed. XXXX & Equifax is reporting 2 accounts with late payments and this is incorrect. 

1. XXXX is showing 2 late payments for XX/XX/XXXX & XX/XX/XXXX. This is absoultely incorrect and needs to be removed immediately as it is affecting me negatively and should never have been reported. 

2. XXXX XXXX is showing 1 late payment for XX/XX/XXXX. This is also absolutely incorrect and needs to be removed immediately as it is affecting me negatively. This should have never been reported late and XXXX is saying it's not on their end. 

Lastly, the address being reported on both XXXX and Equifax that has never been my address and I have disputed and it keeps getting added is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX PLEASE REMOVE THIS IMMEDIATELY.
Product: Debt collection

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX by XXXX XXXX Bank. I got the XXXX card on accident online trying to replace my phone then it turned into a credit card. Actually a pretty amazing one at that cash back was great and so was customer service till. I first got the card and my fiance wanted to come on with me so we contacted a XXXX by phone she said no problem at all XXXX XXXX well poof my XXXX XXXX was gone by accident of course so i go 2 months maybe XXXX without it and i forget about it totally and boom it magically showed back up on my phone with a crystal clear balance. and in fact the same day I received a letter in my mail saying they credited me {$350.00} sorry there was an error we will correct with reporting agencies as well on your behalf. Ok thank you till the day after i got my old bill added with the new one that i had forgotten about not having my card and all no mailed bills nothing so now my debt had doubled. Whatever I paid it off. I always pay it off on time since i had it.. Then about 4 months ago from today I was a victim of fraud or identity theft again and my XXXX id had a recovery key put on it. Well i learned quickly that a recover key is a 25 Character Pass code they send you and not even XXXX  can help when its lost by whomever had it from the start. I was told to buy an XXXX  rep i had to cancel my old XXXX XXXX  and under new XXXX  id apply again. I needed to pay my account balance first though of course. I must have asked this rep XXXX XXXX specialists 10 times if shes sure it's that simple cause past experience has me nervous and my home had just burned down so i needed to be certain if i pay this bill id have my balance to use again on my card for things well they did it to me again screwed me. The new application had failed because the rep failed to close in proper this time. well i called in to address a manager and i beleave thats the only place in the world Where a supervisor is less helpful than those under them.. well after trying to close my account as advised by a XXXX. I called in about 10 times now and 5 of which a supervisor came on it was my full time job getting XXXX to treat me like a customer and correct again there screw up well another rep made me pay {$160.00} after the first bill of {$860.00} to close it and guess what still was not closed proper so then the supervisor to save the day again after no joke 25 more calls in tranffered everywhere this supervisor made me pay XXXX cents and still did not close it proper. I am still Without my XXXX XXXX  i was promised and they still have reported on all my credit reports closed and delinquent with balance..Ridiculous.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations. 
+ I want the CFPB to
Product: Debt collection

On XXXX, CREDIT SYSTEMS added a derogatory remark to my credit report per XXXX  XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, CREDIT SYSTEMS has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Product: Debt collection

XX/XX/XXXX I am unaware of this alleged debt that the CKS Prime Investments stated I owe them in the amount of {$610.00}, that I supposedly opened with them on XX/XX/XXXX. Per consumer law a collection agency has to provide validation of any debt on my consumer report under 12 CFR 1006.34 ( b ) ( 5 ). If they do state they have provided the information, I would like the method of validation, all correspondence of who you talked to, their phone numbers, emails and addresses. I have not been given a chance to dispute the account according to 12CFR 1006.34 ( c ) ( 4 ) ( I ) The collection agency is violating my consumer rights by using false misleading, misrepresenting and deceptive means.
Product: Debt collection

I recently found out I am a victim of Identity Theft. There have been several medical accounts opened in my name that were fraudulent. Medical Fraud. Along with some credit cards such as XXXX XXXX, XXXX, XXXX XXXX. I have also filed an FTC Id Theft report.
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FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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.
Product: Debt collection

No balance ( {$1400.00} ) should be reported because the account was already paid.
Product: Credit reporting or other personal consumer reports

Last month I submitted to the credit bureaus proof that I was impacted by the XXXX  data breach and informed them that there were accounts on my credit report that were open without my consent. I sent in an FTC report and sent all of the supporting documents for them to respond vaguely and say the accounts were " verified '' without any proof or documents to support their claim. I am demanding that they provide the proper verification or have these accounts removed from my profile at once. These errors on my credit profile is causing me not only financial hardship, but emotional distress. If this situation has to go any further, I will be forced to file for litigation. I will attach a document addressing the proper way to verify the accounts. It is my right to have it properly verified and failure to do so should result in an automatic deletion.