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

i filed a dispute in XX/XX/year> on account for XXXX XXXX XXXX XXXX due to the amount being incorrect. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against experian. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.
Product: Mortgage

On XXXX, our home was struck by a large falling tree, significantly damaging our roof. Our insurance company assessed the damage and since the claim payout was in excess of {$10000.00}, it was required that the payment device be a 2-party check between us and the mortgage company. To those ends, in XXXX I preemptively called Freedom Mortgage ( Freedom Mortgage Corporation. XXXX ID # XXXX XXXX XXXX XXXX # XXXX, Broker License # XXXX ) to make sure I could provide all the required information to attempt to expedite the process so we can fix our home. I was told that their claims check process took up to 7 to 10 days. 
On XXXX, I endorsed and XXXX shipped the check at my own expense to Freedom Mortgage. Knowing that we were around the time I was given by the phone agent when I made that preemptive call, I called today XXXX, at approximately XXXX, to check the status of the endorsement. I was informed that while my documents were received on XXXX and uploaded on XXXX, no one had responded and/or started the endorsement process. I was then informed there was a review process that could take up to 5 additional days, only then could the check go to their endorsement process that would take an additional 7-10 days.

In summary, I was informed that just to receive an endorsement on the claims payout check from our independent insurance provider ( XXXX ) that Freedom Mortgage has no fiduciary stake in the payout, it could take a total of 24 days. This is 24 additional days from the insurance adjusting process, meaning that work can not begin ( as we can not front the money for these serious repairs ) from XXXX until potentially XXXX. Meanwhile, there is active leaking through the unrepaired roof and into the ceiling, causing further damage. 
To these ends, I am filing this complaint under 12 U.S. Code 5531, Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have placed a medical bill of {$78.00} that is not mine. I have confirmed with my insurance claim was not sent correctly and have no record of this or the balance! I have since contacted insurance commissioner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS AND INQUIRIES TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PERJURY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit report is showing inquiries from CBNA company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company - CBNA Date of Inquiry Type of Business XX/XX/XXXX CBNA XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Product: Debt collection

I requested a credit report in  XX/XX/XXXX . At that time I noticed that there were several addresses where I never lived linked to my report. I also found that a delinquent account from the collection service   XXXX   XXXX   for Speedy Cash was listed on my report. I have lived in Oklahoma since   XXXX   and have NEVER used a payday loan service. I disputed the false addresses and   XXXX   XXXX   account. I did get the addresses removed, but have tried for several years to have the negative report from   XXXX   XXXX   removed.
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I have repeatedly disputed this information on my account and have never received any direct notification from   XXXX   XXXX   until  XX/XX/XXXX . This account does not belong to me.   XXXX   XXXX   has closed this account on my report, however  XXXX  has not done so after repeated disputes.
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I have tried to find an email contact for   XXXX   XXXX   to contract them without success. I will not call them due to other consumer complaints about threatening phone calls from   XXXX   XXXX  .
Product: Debt collection

My wife has received numerous harassing phone calls from XXXX XXXX from  XXXX, TN asking for me, stating they were attempting to collect a debt on a XXXX account that was past due. When this first occurred, I contacted XXXX, who confirmed that I was not in collection and my account was in good standing. <P/>XXXX was the phone number that they called from, and when searching for that number, it comes up as a locksmith company. The persons on the phone have been threatening my wife with collection and negative credit strikes against my credit if we do n't pay. When told that we do n't have a balance with XXXX, they would not listen and again tried to scare us into paying the 'debt. ' They have called twelve ( 12 ) times in the last six weeks
Product: Credit reporting, credit repair services, or other personal consumer reports

O WHOM IT MAY CONCERN : Hello m name is XXXX XXXX and iI am writing to delete the following information in m file. The items I need deleted are listed in the report. 
I am a victim of identit theft and did not make the charge. I ask that the items be deleted to correct m credit report. I reported the theft of m identit to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identit Theft Affidavit. Please delete the items as soon as possible Baed, 15 U.S. Cde 1681c2 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 
I ha bee 30 da ad ae VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized XXXX XXXX data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. You can reach me at [ your phone number ] or [ your email address ] if you require any additional information or clarification. I am asking for your immediate assistance to correct these accounts in my credit file : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX Balance Owed :. {$0.00}
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed several fraudulent accounts and inquiries that I did not authorize, consent to, or benefit from. I immediately contacted the creditors and the credit bureaus, but no one has been willing to assist me in resolving these issues. Despite my efforts, including filing a new FTC report ( attached ), nothing has been done. 

This situation has caused me significant emotional distress and XXXX, and I am demanding that these fraudulent accounts and inquiries be blocked and removed from my credit report as required under the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 : its also states consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

1. On or about XX/XX/XXXX, I agreed to pay XXXX for their Diamond Package, charging to my Barclaycard {$13000.00}. 
2. XXXX did not deliver the products and services they contractually committed to. 
3. I attempted to resolve the issue with XXXX  via phones, email, and websites over the course of 6 months. 
4. On or about XX/XX/XXXX I discovered phones, email and websites were shut down by the FTC. 
5. XXXX was closed by the Federal Trade Commission ( FTC ) on XX/XX/XXXX. 
6. On or about XX/XX/XXXX, I asked Barclays card to step in and help resolve the non-receipt of goods and services issue with XXXX  7. On or about XX/XX/XXXX I provided Barclaycard over 50 pages of detail supporting XXXX XXXX non-delivery of agreed-upon products and services 7.5. On or about XX/XX/XXXX Barclaycard assigned a Claim ID XXXX. 
8. Since XX/XX/XXXX I have communicated with Barclaycard numerous times both in writing and responses to calling service agents. 
9. On or about XX/XX/XXXX I provided Barclays an additional package of over 50 pages of detail supporting XXXX XXXX non-delivery of agreed-upon products and services. 
10. I specifically asked Barclaycard for their protection under The Fair Credit Billing Act and I have been completely ignored. 
11. I continue to receive harassing calls and false statements. 
12. On or about XX/XX/XXXX, I wrote to Barclays requesting an immediate resolution of this matter and to cease harassing phone calls and emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with.I HAVE NEVER EXPRESSLY AUTHORIZE, CONSENT TO AUTHORIZE OR DIRECTED EXPERIAN TO SHARE MY INFORMATION.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( 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, 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to sign up for Uber and is coming out that I have a A misdemeanor In Florida which does isnt true that time that I lived out there I did not get in trouble at all with the law
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by meXXXX 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  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I noticed charges on my American Express Gold card that I didnt recognize. I called the American Express and told them that I didnt make the purchase at XXXX for {$180.00}. The fraud took place in XXXX XXXX XXXXXX/XX/year>. 
Three purchases were made with my American Express Gold card. The two first ones they approved as fraud but not the third one. I dont live in XXXX  and I have never been in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint against below Prosperity Home Mortgage LLC run my credit without authorization and left a hard inquiry so i filed fraud alert and claim all creditors run without my authorization to remove hard inquiry due to impact my credit XXXX was able to locate the following inquiries in our systems. 
XX/XX/2018 Prosperity Home Mortgage LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX I Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX # A XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You haveinquiries XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Never Late - FCRA violation XXXX Closed 1 charge-off Account Info Hover over labels for more details Account number XXXX
Product: Credit card or prepaid card

On XXXX via telephone, I requested XXXX XXXX XXXX to decrease my finance rate noted on my XX/XX/XXXX statement to be 14.24 %, I spoke with rep named XXXX and informed that I have good credit score, never late, never over balance and have other credit cards with finance rate as low as 9.99 %. XXXX did decrease to 7.99 % finance rate until " XX/XX/XXXX '' with confirmation # XXXX. After that time, XXXX said that I could call back to get my finance rate decreased again. Per my XX/XX/XXXX statement, my finance charge is now 14.74 %, which is an increase from what it was back in XX/XX/XXXX. On XXXX via telephone and after a hold time of 27 minutes, I requested that XXXX decrease my finance rate again. The rep, XXXX, said that they can decrease only to 12.99 %. I asked why the finance rate increased even MORE than it had been before my first request to decrease it and she said " there was a federal Prime Rate increase. '' She could not tell me the amount of the Prime Rate increase. I explained that I have a very good credit score, never pay late, pay more than minimum each month and have never gone over my balance amount AND have other credit cards with lower finance rates as low as 9.99 % that have NOT had an increase in finance charge. I check transactions each week and statements each month for every account that I have. My complaint is that it appears that XXXX is taking advantage/capitalizing on and penalizing of those with good credit scores and payment history by applying less than fair finance rates, knowing that a consumer will not close an account as this could negatively impact their credit score. I have a " very good '' credit score per XXXX > XXXX, with " exceptional '' payment history and " good '' debt. The XXXX rep said that the best she could do was decrease my finance rate to 12.99 %, and when I asked she answered that this was effective immediately and only until XXXX. It seems that XXXX has deviant or perhaps even unethical practices ( increasing credit scores to whatever they want and without sending the consumer official notice ) with taking advantage of those with good or exceptional payment history and very good credit scores knowing that they will not close their account as that could cause a negative impact on credit score.
Product: Debt collection

I paid the debt in full on XX/XX/2020 and I received a letter from the company saying that my debt is paid in full and that I do not owe them anymore money. They told me that when I pay the debt they would take it off my credit right away but it is still on my credit report and my credit report states that I owe them XXXX dollars when I have a letter from them stating that the debt was paid in full and that I owe them nothing. The debt is in my maiden name XXXX XXXX but now I am married and y name is XXXX XXXX now. I have called this company over and over to get this resolved and they do not want to do anything about it.
Product: Mortgage

I need to have an escrow analysis done on my mortgage loan. The wrong amount is being taken. 
My real estate taxes yearly are XXXX PER MONTH. This is for the whole year. 
My homeowners insurance is XXXX XXXX and the yearly premium is XXXX. 
On my XX/XX/year> statement the lender PAID FOR 2 insurances The bank paid on XXXX XXXX XXXX insurance for XXXX to old insurance company AND they paid for the new insurance which is correct for XXXX I send back the entire check for XXXX and on my statement of XXXX XXXX XXXX it shows that this check was placed in UNAPPLIED BALANCE. It should not have been all placed in unapplied balance. It should have been divided for the PAYMENT and the rest in escrow Because of this, my payment has gone up and it is a recording error on SPS behalf. 

I would like to have this unapplied amount left after payment moved to escrow, and a new escrow anaylis run on the correct amounts. 

Real estate tax should be XXXX per month XXXX  should be XXXX per month The 2 of those add up to XXXX per month. I know that a escrow cushion is required HOWEVER, My escrow is now showing XXXX per a month,, This needs to be corrected and reanalyzed Please fix this ASAP
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 U.S.C 1681.

Account ( s ) : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c ( 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 more than seven years.
15 U.S. C 1681-2 ( A ) ( 1 ) Section, states : 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 or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX