23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I recently received a check from my insurance company to fix damages done to my roof. Due to the amount Freedom Mortgage name was included and I had to mail it to them. It was delivered on XXXX XX/XX/XXXX. I originally was told it would take 5-6 business days to process and endorse/mail the check back to me. 

I called on XXXX XX/XX/XXXX to get a status update and was told there was no check uploaded to their system. I provided them the tracking number and they confirmed that it was there but probably in the mail room. I was told to call back in XX/XX/XXXX hours as they would expedite my case with the manager. 

On XXXX XX/XX/XXXX I called back to get an update and was told the same thing that it still was not processed or uploaded to the system. I then asked to speak with the manager and was placed on hold for about 30 min as they tried to locate and get more information. The representative that I spoke with confirmed the total amount of the check and the insurance company it was issued from. I was placed back on hold and after some time the phone disconnected. I called back now speaking with someone different and was told they would expedite it to her supervisor for feedback and to call back in XX/XX/XXXX hrs. 

Today XXXX XX/XX/XXXX I called again and was told it STILL had NOT been processed or uploaded into the system! XXXX XXXX XXXX ( loss draft associate ) informed me after speaking with her manager ( XXXX XXXX ) that they can not find the check and it will need to be reissued. 

So now I have to restart this whole process again and hope that this time they will have better tracking systems in place. This is unacceptable and I have lost faith in this company 's ability to handle my insurance claim due to the careless misplacement of this check. This situation has caused significant inconvenience and distress. I request immediate action to locate the misplaced check and expedite the release of funds to ensure that necessary repairs can proceed without further delay.
Product: Debt collection

Contract Callers INC usually calls me 6 to 12 times per day about a phone bill that does not belongs to me. I have told them several times it is not my debt and to stop calling me but they refuse to stop. So now they send me a letter with the amount of {$1900.00} stating that if such balance is not paid they will garnish my wages and sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent letter outside the deadline period of the 30 days to providing the promissory notes from XXXX University original signatures. The letter is post dated On XX/XX/XXXX and only provides promissory note from XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting inaccurate information based school closure and refuse to remove.
Product: Credit reporting or other personal consumer reports

They are over 100 's of Soft Inquiries made by EXPERIAN.

Someone accessed my credit file without authorization.
Product: Credit card or prepaid card

Cash app states : Cash App offers standard deposits to your bank account and Instant Deposits to your linked debit card. 

Standard deposits are free and arrive within 1-3 business days. 

Instant Deposits are subject to a 1.5 % fee XXXX with a minimum fee of {$0.00} XXXX but arrive to your debit card instantly. 

I had an instant deposit from XXXX on my cash app debit card and it shows I have a XXXX  balance. XXXX gave me a confirmation number and I know they made the deposit. Cash apps customer service line is always closed. I sent five support emails to them and have had not one response. They are not posting my {$920.00} to my account. It was a direct deposit to the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

As previously notified, I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

I have been calling equifax for my credit report to unfreeze it, but they say it isnt frozen. However when Banks try to pull it they say it is frozen thus they cant see my credit report. I have had this situation since I changed my XXXX # to my SS # last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

BELOW ARE FOUR ACCOUNTS THAT ARE REPORTING AS LATE PAYMENTS. THESE ACCOUNTS ARE NOT REPORTING CORRECTLY. I HAVE NEVER PAID THESE ACCOUNTS LATE. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a voluntary repo and since then, the full amount of the vehicle was placed on my credit report. I know typically the vehicle is sold at auction, but Nissan is reporting the full balance to my credit reports which is incorrect. I don't recall receiving anything from them in terms of what the vehicle was sold for in the time that's allowed for the state of GA. For that reason, I feel it should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Freedom Mortgage for incorrect credit reporting and what I believe to be predatory practices in relation to my mortgage account. 

In XX/XX/XXXX, I was granted an unemployment forbearance that was effective from XX/XX/XXXX, until XX/XX/XXXX. However, I received a letter dated XX/XX/XXXX, stating that I had a late payment recorded from XX/XX/XXXX. As a result of this, I was shocked to find a 120-day late payment indicator on my credit reports from the major credit bureaus for XX/XX/XXXX. 

Following the conclusion of the unemployment forbearance, I was granted a loan modification that took effect from XX/XX/XXXX, to XX/XX/XXXX. I made all required payments during this time, yet my credit reports from the three major credit bureaus reflect 180-day late indicators for these dates. 

I am highly concerned about the following issues : 1. The 120-day late payment indicator for XX/XX/XXXX, which should not have been reported due to my unemployment forbearance. 
2. The subsequent 150-day late indicators and beyond, which seem to be erroneous given my forbearance and loan modification. 
3. Additionally, for XX/XX/XXXX, I made my payment online on XX/XX/XXXX, yet I received a 30-day late payment indicator reported to the three major credit bureaus. 

These inaccuracies have significantly impacted my credit score and financial wellbeing. I believe these practices may violate the Fair Credit Reporting Act and potentially indicate predatory behavior on the part of Freedom Mortgage. 

I request that your office investigate this matter and assist in correcting the inaccuracies on my credit reports. I have attached copies of relevant documentation, including the forbearance agreement and payment records, for your review. 

Thank you for your attention to this serious matter. I look forward to your prompt response and assistance in resolving these issues. 

Attachments : 1. Copy of the unemployment forbearance agreement 2. Copy of loan modification 3. Proof of payment on XX/XX/XXXX Please let me know if any further information or documentation is required to facilitate the investigation. I appreciate your support in rectifying these discrepancies and protecting my consumer rights. 

Thank you once again for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX1 DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX  Account number # XXXX, XXXX XXXX XXXX account # 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 XXXX XXXX XXXX number XXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Experian Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 



Dear Experian, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit card or prepaid card

On or XX/XX/XXXX, I noticed I had misplaced my CareCredit MasterCard rewards credit card. As a result, I contacted Synchrony Bank via their website chat feature to inform them of my lost card and request a replacement card. After confirming a few details with me, the request was processed. 

A few days thereafter, I received notification from my credit monitoring servicer advising that my CareCredit MasterCard account had been closed. I quickly contacted Synchrony Bank to inquire why this is so when all I requested was a replacement card. Synchrony explained that my account was not actually closed but it was their policy to report it as " closed '' to all three credit bureau. I also asked if it was policy to advise their consumers about this consequence. They confirm that it was their policy. 

At that time, I advised them that I was NEVER informed that my account would be reported closed to all three credit bureaus as a result of me reporting my credit card lost and requesting a replacement card. If I had been told this information, I would have looked more carefully in an effort to locate the missing card. Because of this false information, my credit score dropped more than 20 points. In addition, since my request, I have not received my replacement card despite being told it would arrive in 7 to 10 business days. 

It is unfair for a credit card company to report inaccurate information to the credit bureaus and on top of that, make fixing this information contingent upon my official receipt of my replacement card. So because they're not going their job correctly, I'm punished to sit around and wait until this phantom replacement card arrives while my credit score and report suffer?
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH 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 my 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 those account 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.

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: Debt collection

I declare under penalty of prejury ( under the laws of the united states ) I fexcuted outside of the United States that the foregoing is true and correct to the best of my knowlwdge. Further, I ceritty that i am authorized bty FEDERAL and STATE Law to file this dispute. I also understand that knowing and williful missstatements or omissions of material facts constitiues a ferederal criminal violation punishable under 18.U.S.C.1001
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of XXXX XXXX. I have never been put on XXXX XXXX. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$1100.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$430.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXXXXXX {$460.00} XXXX   XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXT XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX   XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 {$3600.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00}
Product: Student loan

i sent fedloan a letter with good humanity spirit of letting them know that i have paid them since XXXX weeks after i graduated with XXXX XXXX ; my daughter XXXX is in college ; i know i have to pay her parent plus loan when she is done in XXXX XXXX, my other daughter did n't do well at her college and got kicked out ; well i asked fedloan in a letter to consolidate the interest, my loans and parent plus loan in a bill that i can afford ; like {$150.00} to {$190.00} or {$200.00} ; they sent me a {$500.00} bill ; i sent another note saying this is too high I sent {$150.00} with the bill ; on thursday XXXX XXXX they sent me a bill for {$730.00} ; I sent {$190.00} with the bill ; i need help ; what road to i take as a single mom that is divorce and have a passion for education and teaching my daughters the same ; i am trying to get a place of my own again and not have my credit destroyed ; they are threatening to send me to a credit bureau as a red flag for no reason. i have other bills that are important and i make XXXX a year ; please help assist me please consumer finance gov
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX Date of inquiry : XX/XX/XXXXXXXX  XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4000.00} XXXX XXXXI ( Original creditor : XXXX XXXX  XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4000.00}
Product: Mortgage

I have a HELOC that was transferred from SLS to SLS by Shellpoint. My HELOC is a fixed rate of 7.775 %, I have been paying a fixed amount since the beginning of my loan of {$630.00}. I have all my statements to show. My monthly amount has changed from {$630.00} to {$780.00} and they said its bc HELOCs have variable rates, and that's true, but again, my loan was a fixed rate, this was in the closing documents. No one has gotten back to me and its been weeks. They can not change the terms of the loan. I've attached a copy of my first statement and our last statement which shows the fixed amount. 

They finally took out my payment, which was another issue that has resolved for now.
Product: Credit reporting or other personal consumer reports

XXXX sent my unpaid loan to XXXX XXXX for collection. I paid the settlement amount and resolved the debt. XXXX updated my credit report with incorrect payment details after I have called and provided documentation to show that the debt has been resolved. Please update my credit report accurately. I paid the settlement amount and my balance should be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified accounts was not investigated. 

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

On XX/XX/2017 I went to a car dealership with hopes of purchasing a new car. I requested that the car dealership only run my credit through 1 company. After checking my credit report I noticed they shopped my credit report to 10 different companies. I did not authorize this.
Product: Credit card or prepaid card

I have closed my credit card account with Barclays XXXX on XX/XX/2022. 
However, more than XXXX month later on XX/XX/2022, they posted a transaction charged by a service that I didn't want to subscribe. 
And when that company did that, they failed at least 3 times and sent me emails about billing failures on XX/XX/2022, XX/XX/2022, and XX/XX/2022. 
I didn't do anything thinking that the service renewal would naturally stop after that. 
So it was really astonishing that the transaction of {$52.00} succeeded afterwards. 

I contacted customer service of Barclays XXXX, and they acted as if it's only naturally for any merchant to be able to charge me even after the account closure. 
I complained and then they told me to " rest assure this is escalated for review '', and that their dispute team would work on it. 

However, nothing happened after that other than phone and email harassments from them. 
And when I complained to them again, the customer service suggested me to go talk to their X or Y departments directly. 
So I don't think they are capable of handling this simple thing and stop their harassment. 
As of XX/XX/2022, they want me to pay for {$300.00}, for the original {$52.00}. 
I doubt they have been keeping reporting things to significantly lowered my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th attempt to get this matter resolved. I've submitted 7 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. ExperianXXXX has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with ExperianXXXX. This XXXX account was reported Late.They have failed to fix the account. I need this account updated from my report ASAP. Here is the name of the data furnisher & the account information- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX