23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sent the following to XXXX . XXXX  ( Freedom Mortgage CEO ) by way of email this morning and sent to any and all emails that I could find on Freedom Mortgage 's website. Not sure if any of this will reach the individuals that have the power to correct this issue. 
=== Good morning XXXX XXXX XXXX, Hope you and your family are doing well. 

My name is XXXX XXXX XXXX. My wife is XXXX XXXX XXXX. 

The purpose of this email is to inform you that my wife and I are very unhappy with Freedom Mortgage. We have two of our properties with Freedom Mortgage. In the forty years that we have owned property, we have never been late with our payments. 

The reason we are so disappointed with Freedom Mortgage is because on XX/XX/2023 ( my XXXX XXXX XXXX ) my wife made the house payment on our XXXX  XXXX  ( Account # XXXX ) at XXXX Colorado Time . The payment was not credited by Freedom Mortgage until XX/XX/. 

Freedom Mortgage then reported that payment being " 30 days late '' on XXXX and XXXX and " 60 days late '' on XXXX on both XXXX and my credit reports. This is both disheartening and disappointing. Please see the attached for the detail. 

After eight phone calls to Freedom Mortgage, we are being told multiple stories as to why this has happened and Freedom Mortgage refuses to correct this error. 

We are reaching out to you to help us correct this error, Sir. 

XXXX and I are requesting is as follows .... 

Please remove the " 30 days late '' on both XXXX XXXX XXXX and XXXX XXXX XXXX on both XXXX and XXXX. Please remove the reported " 60 days late '' on XXXX on both XXXX XXXX XXXX and XXXX XXXX XXXX. 

Thank you in advance for your help on this matter. 

I had hoped that it would not have to come to this. However, I feel it necessary at this time to post the following on all platforms of social media. Once this matter has been corrected, then we will be more than happy to remove the following and replace it with a Raving Review of Freedom Mortgage. 

" I AM ONE VERY UNHAPPY CUSTOMER! My name is XXXX XXXX. On XX/XX/, my wife paid the house payment on one of our properties ( Account Ending in XXXX ) to Freedom Mortgage at XXXX MST. Unbeknownst to us, Freedom Mortgage ( who is on the XXXX XXXX ) did not credit that payment until XX/XX/. Freedom Mortgage then reported " 30 days late '' for the XX/XX/XXXX  payment on XXXX and XXXX and " 60 days late '' for the XXXX payment to XXXX. After multiple calls, Freedom Mortgages has given my wife and I multiple stories on why this has happened and refuses to correct this error. BUYER BEWARE : If you are considering utilizing Freedom Mortgage for your mortgage loan, we would strongly suggest that you shop elsewhere for your Mortgage needs. Freedom Mortgage can not be trusted. We will not be utilizing Freedom Mortgage in the future. '' Thank you for helping us to correct this issue. 

Kind regards, XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent inquiries on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave Transunion, XXXX any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following Inquiries BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT.
Product: Credit card or prepaid card

My Citi Credit Card Account ending in XXXX was apparently shut down for suspicious activity on XX/XX/XXXX. Being a victim of Fraud before, typically you get a new account number when there are fraud charges but this time they closed my account and I do not have access to the account. I was not notified about the fraud nor did I authorize the permanent closure of the account. I do not have any access to Funds on this account but the account is enrolled in autopay which pays the account every month. I have tried to call several times over the past 4 months to get this resolved and the last representative advised me I needed to reapply for a new account. I just want to understand why I was not notified that my account was being closed and why am I being asked to apply for new account when funds are being withdrawn for my banking account to pay for an account I can not use. The only explanation I received was that I had Fraud on my account, so because I had suspected fraud my whole account is closed with notification?
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, leaving my address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, 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 redress for these violations.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I recently filed a complaint on the collection tactics utilized by XXXX XXXX on behalf of XXXX and they are now retailiating against me because I filed with CFPB. On Friday, XX/XX/XXXX, I returned a call to their office from a voicemail received from - Sr. Specialist XXXX - - XXXX Ext XXXXand threatened to take legal action! 

I just spoke to XXXX XXXX on Friday at XXXX Ext. XXXX and paid {$200.00} per our Special Hardship Agreement due to our extenuating Financial circumstances, since my daughter was hospitialized in XXXX for over 34 days and I am currently unemployed and seeking full-time employment. XXXX XXXX is in the Hardship Department and has me set up for the {$100.00} per month as agreed and would be paying another {$100.00} on XX/XX/XXXX. We have gone through a lot with our daughter which has affected us financially ad emotionally and we are also U.S. Veterans who have served our Country during XXXX and this type of unethical tactics has to stop. 

I am tired of being harassed by XXXX XXXX and I am requesting them to cease in their maneuvers against me through your retailiatory, demeaning and undermining tactics because I reported you to CFBP. Stop Retailiating!
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed I have 1 late payment being reported by SYNCB/AMAZON  . I notice the late payment was reported in XX/XX/2023. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( 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.
Product: Credit reporting or other personal consumer reports

The amount due hasnt been properly reflected. I see the original loan amount and wasnt given a deficiency notice after the car was sold at auction.
Product: Debt collection

This collection agency is claiming I owe {$560.00} for an account with XXXX XXXX XXXX fro an account in NJ yet I've lived in Delaware for the past 18 years. I asked for copies of the application or a copy of the any records or recordings they have regarding phone calls, etc. and they've refused to provide them. I sent a letter disputing the debt along with a copy of a police report from a few years ago where someone filed tax returns and open accounts in my name yet they continually claim they don't receive them. The woman XXXX  is a NASTY NASTY woman and refuses to remove this from my credit report. They have NEVER sent any letters to me nor EVER provided any documentation from the alleged creditor. They are asking me to do their job and verify I don't owe it yet the burden of proof is on them to prove it IS owed ... which it isn't! They refused to provide any DOS 's ( dates of service ), and are asking that I go file a police report and take time out of my busy schedule to fix their mistakes. XXXX XXXX of National Recovery owes me {>= $1,000,000} for an unpaid services and he has never disputed the DOS despite me sending him letters. Now I would like XXXX  to go file a police report that he doesn't owe me the money. Until then, I will start reporting the debt to the credit bureaus as I have found his social security information online.
Product: Mortgage

I OBTAINED A 30 YR. FIXED MORTGAGE LAST XX/XX/XXXX. THEY INSISTED ON COMBINING MY TAXES AND INSUR. WITH MY MORTGAGE PAYMENT. I HIRED A TITLE COMPANY & THIS COMPANY RESEARCHED & OBTAINED THE CORRECT TAX FIGURES & SUBMITTED THAT INFORMATION TO WELLS FARGO. I HAVE PAID ALL OF MY MORTGAGE PAYMENTS ON TIME & PRESUMED THAT ALL WAS WELL. ON XX/XX/XXXX I RECEIVED A NOTICE FROM WELLS FARGO THAT MY ESCROW ACCOUNT HAS A SHORTAGE OF {$640.00} & THEY ARE INCREASING MY PAYMENT FROM {$480.00} TO {$560.00}!!! I WAS SHOCKED & BEGAN WONDERING " HOW COULD THIS HAVE HAPPENED? ". I HAVE SPENT COUNTLESS HOURS ON THE PHONE WITH WELLS FARGO, THE TAX OFFICE OF XXXX COUNTY, PA. & THE TITLE COMPANY & HAVE SPOKEN TO LITERALLY DOZENS OF PEOPLE. I HAVE BEEN LIED TO SEVERAL TIMES, BEEN GIVEN FALSE INFORMATION, AND MANY CONFLICTING STORES FROM DIFFERENT PEOPLE. HERE IS WHAT I HAVE DISCOVERED AS BEING WHAT ACTUALLY TOOK PLACE. ON XX/XX/XXXX XXXX XXXX XXXX SENT A TAX CERTIFICATION TO WELLS FARGO INFORMING THEM THAT THE SCHOOL DISTRICT TAX AMOUNT FOR THIS PROPERTY IS {$1300.00}. THEY ALSO SENT THE OTHER TAXES & THE AMOUNT OF THE MORTGAGE INSURANCE. 
AFTER I RECEIVED THE PAST DUE NOTICE & BEGAN MY INVESTIGATION I HAVE DETERMINED THAT WHEN WELLS FARGO CALCULATED MY ESCROW AMOUNT, THEY ENTERED AN AMOUNT OF XXXX. AFTER MANY DISCUSSIONS WITH MANY PEOPLE, THE ONLY STORY THAT I CAN GET FROM THEM IS THAT PERHAPS WELLS FARGO THOUGHT THAT MAYBE ... POSSIBLY ... MIGHT BE A CHANCE OF ... ... ME BEING ENTITLED TO SOME DISCOUNTS ON MY TAXES & I GUESS THAT IS WHY THEY MADE UP THAT AMOUNT. FOR WHATEVER REASON THEY ENTERED THIS AMOUNT, THAT IS OVER {$300.00} SHORT, THEY HAVE MADE MY ESCROW ACCOUNT FALL INTO DEFAULT & SHORT OF PAYING WHAT IS REALLY DUE. THEY MADE UP THIS AMOUNT EVEN THOUGH THEY WERE GIVEN THE CORRECT AMT. I WANT THEM TO CLOSE MY ESCROW ACCT. & LET ME HANDLE IT MYSELF AND THEY ARE REFUSING TO DO THAT. SINCE THIS WAS A MISTAKE THAT THEY MADE, & I AM NOW SUFFERING, I WANT THEM TO ALSO ABSORB THIS SHORTAGE AND CLOSE MY ESCROW. THEY HAVE MISMANAGED THIS RESPONSIBILITY AND CAUSED ME HARM IN THE PROCESS. AN EMPLOYEE PROMISED ME 3 TIMES THAT IF I WOULD PAY A PORTION OF THE PAST DUE AMT. HE WOULD CLOSE MY ESCROW. I PAID IT THEN HE SAID HE COULD NOT DO IT!!!!!!!! NOW THEY ARE TELLING ME I HAVE TO WAIT ANOTHER YEAR. I AM SURE I WILL BE MET WITH THE SAME XXXX  IN A YEAR. THEY CAN MAKE AN EXCEPTION TO CLOSE MY ACCT. THERE ARE MANY SIMILAR COMPLAINTS PUBLISHED WHEN YOU SEARCH FOR " WELLS FARGO ESCROW SHORTAGE ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute inaccurate information in my file resulting from the crime. The inaccurate information I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

These following inaccurate information listed below are unknown to me. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$130000.00} XXXX XXXX  XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late on any payment in XXXX or XXXX please have that reflected on my credit report.
Product: Mortgage

For the 4th year in a row AIMloan.com has charged me {$2300.00} for flood insurance because they ca n't seem to properly communicate with the insurance company that properly handles the flood insurance for my condo.     This has happened every year since   XXXX   and every year they get their copy of the insurance. I 'm tired of fixing this because AIMloan and  XXXX   XXXX  have a communication issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX OF 2017 I DISPUTED THE ACCURACY OF THE BELOW ACCOUNT WITH XXXX, XXXX AND EXPERIAN. AS SEVERAL THINGS ARE INCORRECT. XXXX AND XXXX   DELETED THIS ACCOUNT FROM MY CREDIT REPORT, BUT EXPERIAN REFUSES TO REMOVE IT. I DO NOT AGREE WITH THIS, AND WOULD LIKE IT REMOVED. 
- Balance {$4900.00} Balance Updated XX/XX/2017 Original Balance {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple accounts and have not gotten a response within 30 days. It has been over 90 days and TransUnion has not removed the items I disputed legally. They are under an obligation to remove all items that were not verified in 30 days. The accounts include : XXXX XXXX XXXX with a claimed last payment in XXXX of XXXX. With multiple errors on payment history and balance amount as well as multiple errors on the file. It was disputed in XXXX of XXXX It includes XXXX  XXXX XXXX showing a balance of {$270.00} and charged off on a secured credit card which does not carry a balance. It was disputed in XXXX of XXXX It includes a company name XXXX XXXX collections for which I have no contracts signed or any agreements with them to be able to report on my credit file. Disputed in XXXX of XXXX They did not file any response until XXXX. That is over 90 days of not investigating or removing items that are required by law. 
I disputed with transunion in multiple ways as well. I have sent multiple certified layers dating back to XX/XX/XXXX as well as XX/XX/XXXX and XX/XX/XXXX. Their failure to investigate and answer the dispute in 30 days is a violation of my rights.
Product: Credit reporting

I recenty obtained a copy of my credit report that I dispute Inquiries and Public information. There was unauthorized inquiry made by XXXX company. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. Rate Genius Date XX/XX/2016. XXXX. Equifax Mortgage Services Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX CREDIT LLC Date XX/XX/XXXX. XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX Date XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX. Tax Lien XXXX XXXX/XXXX/XXXX. XXXX. Chapter XXXX Bankruptcy XXXX XXXX/XXXX/XXXX. XXXX. Tax Lien XXXX XX/XX/XXXX. XXXX. Tax Lien XXXX XX/XX/XXXX. XXXX. Judgment XXXX XX/XX/XXXX I have disputed XXXX time with them to remove or deleted. The company said they validating credit. This has made my XXXX score drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute letter to all 3 bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/2021 my credit report was updated to reflect that this account will remain on my credit report. 

According to XXXX. XXXX. XXXX. XXXX XXXX XXXX. seq. this account has passed the four years Statutes of Limitations to collect such debt. 

The account information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  amount : {$13000.00} As of XX/XX/2021 I never received written correspondence informing me of the dispute results.
Product: Debt collection

I was called at XXXX on XX/XX/XXXX from Phillips & Cohen Associates LTD , A Debt Collection Company, Looking for Another Person. When the Call took place, I was in bed sleeping and was woken up by the phone call, so I missed that call, So I got up and made the return call at XXXX. When I called back, a rep answered the phone and asked for my name, I told them my name was XXXX and they Hung up the phone. I called back and spoke to another Rep, They answered and asked for another person ( XXXX XXXX, my Ex Wife ) immediately, I replied I was not that person, but that was the wrong number, They also then just hung up. I called back again and spoke to another Rep who then explained they were a collection agency and they were looking for another person. I informed him that I was not that person and that they were breaking the law by calling people so early waking people up, he replied that they called for the time zone for another person and it didn't matter what my time zone was that my phone numbers Area Code is part of another time zone so they can call within the hours of that time zone. I have reported this infraction to a Dept Manager for that company XXXX XXXX. I can show proof of Calls with Phone Records. 

XX/XX/XXXX Original CFPB Complaint # XXXX, XXXX system closed original complaint because they thought I didn't file complaint. My name is XXXX XXXX and I am filing a complaint against Phillips & Cohen Associates LTD for Breaking the Law ( Fair Debt Collection Act ).
Product: Credit reporting or other personal consumer reports

It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Product: Credit reporting or other personal consumer reports

Find out more than XXXX credit cards ( XXXX  XXXX and XXXX XXXX XXXX ) was reported to my credit, the same day i called both banks and explain them that i dont know nothing about those cards .right away, i report it to the police and follow up with the banks ( XXXX XXXX XXXX and XXXX  XXXX ) but especially XXXX XXXX did not want to fix/solve the issue all they do was adding interest instead of fixing the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to fix this issue several times before but to no avail.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and realized an account from XXXX was reporting incorrectly and I asked for a proper investigation into the matter from all parties involved but never received any proof account was opened by me or proof of proper investigation I also reached out to XXXX and they said there was no record of a debt owed and have no prejudice in this matter.
Product: Vehicle loan or lease

He had a XXXX XXXX XXXX model car which had a cost of {$16000.00}, he had been paying for it for approximately 3 years without any problems. This year, in the month of XXXX, I called so that they could make an adjustment in my payment, they said that it would be possible, but in the month of XXXX, they repossessed the car. Situation that I really did not understand because they had reached an agreement with me. They tell me that I have until XX/XX/XXXX to refinance the car or pay the amount I owed. When I called and paid for the car they told me that it was no longer possible because it was bad communication with me and it had to be a day before. They accept that they were wrong but there was no remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 XXXX XXXX XXXX/XXXX