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

i sent a written certified letter to Equifax, XXXX and XXXX let them know that they are reporting false and incorrect information
Product: Mortgage

Freedom Mortgage did not pay my homeowners insurance and my loan is escrowed, i was not notified by mail, email or phone call from Freedom mortgage. every month i pay into my escrow and i have well enough money into escrow to pay insurance, my homeowners insurance sent freedom mortgage the bill to pay and freedom mortgage did not pay it.my homeowners insurance is cancelled due to non payment by freedom mortgage and my loan is escrowed. now im stuck. this is Horrible they are a horrible servicer and mortgage company. my loan was sold to freedom from XXXX  mortgage i never had problems with previous mortgage company XXXX. Freedom mortgage i have reached out to them and no one answers or have called me back regarding this matter.
Product: Credit reporting or other personal consumer reports

A complaint was submitted against XXXX on XX/XX/XXXX ( complaint XXXX ) for not providing disclose that a hard inquiry would be made on consumer credit reports. XXXX responded on XX/XX/XXXX, stating they do not report to consumer reporting agencies and, if they did, it would be a soft inquiry. The CFPB closed the case. 

However, XXXX did in fact report, and that of a hard inquiry as evidenced by the attached consumer report. Credit scoring has been impacted negatively.
Product: Credit card or prepaid card

On XX/XX/2023 approximately XXXX XXXX XXXX cents was stolen out of the account my email was changed and the person added a XXXXXXXX XXXX  debit card and stolen my money out of the account the representative speaking with him an error said he would fix it after an hour send me email contact my bank I just want my money back
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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.

TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Checking or savings account

I have two checks that were stolen and deposited into the wrong account in XX/XX/2021. I spoke to the bank and was told it would take up to 90 days to complete the investigation and get the money back, but it has been over 9 months, and still no resolution. My bank is Chase, and the checks were deposited into a XXXX XXXX account. They were improperly endorsed, and clearly not deposited into the correct account since the checks were written to a business.
Product: Credit reporting, credit repair services, or other personal consumer reports

OLD PHONE NUMBERS AND OTHERS NEVER HAD Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upgrade is deliberately suppress my actual payment amounts from the nationwide consumer reporting system. This failure to report actual payment data means my credit reports are missing fundamental information about my credit card repayment behavior that could help my receive better financial offers and save on interest expenses. My credit reporting on XXXX dropped XXXX points as of XX/XX/2023 as the result of increase of one card 's balance, but no reporting of the significant decrease of Upgrade card balance from {$4000.00} to {$2500.00}. By suppressing actual payment data, Upgrade is making it harder for me to shop for credit and save money on major purchase such as refi home, home improvement, business credit or vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I got letter dated XX/XX/2020 in the mail which I just saw onXX/XX/2020 will show you guys the picture as well. Saying I applied for either credit card or debit card or something with discover. However this is inaccurate and not authorized by me. I am unsure how this all came about. I am not looking for any credit cards or new banks at this time. I am asking if this can kindly be removed as this is not mine and I never authorized it or signed for anything. No idea how it all happened. Thank you for understanding.
Product: Credit card or prepaid card

I had an AARP credit card since XXXX, it was in good standing. In XXXX Chase cancelled my AARP c/c & " Lied '' to me that Chase no longer issues AARP credit cards. My AARP c/c had $ XXXX limit, which I always paid off on time ; I had a " always paid on time '' reported on all credit agencies ... enclosed a copy of XXXX XXXXn XXXX ) I had originally 3 credit cards that none where from Chase, but Chase bought them all out and now I have only 2 Chase Cards instead of 3 -IF they had given me the AARP Card. I went into Chase Bank in XXXX XXXX XXXX and ask about the AARP card not being issued to me & they said that they don't have any AARP Chase C/C anymore. I went online to see if they no longer issued AARP Credit Cards and 'there was a AARP Credit Card with all the other Chase Cards that they issue!! '' I had to " LOSE '' some of my credit ratings due to Chase deliberately closing my AARP Credit Card that was worth {$5000.00} & I always paid it off in full when bill came due!! 

ALSO, my Chase Freedom Credit Card 's minimum payment has been flucutating up & down ; instead of constantly going down every month because I have always paid at least the minimum?? ( enclosed XXXX different Chase Freedom Credit Card bills showing higher and then lower and then higher amounts!!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/year> does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Timely Payments : I have consistently made on-time payments throughout the life of the loan, and I have documentation that supports this. The late payment reported for XX/XX/year> does not align with my payment history, which indicates no missed or late payments prior to this instance. 
Payment Processing Delay : The payment for XX/XX/year> was submitted within the required timeframe, but there may have been an internal delay in processing, leading to the incorrect reporting of a late payment.

Dispute Already Filed : I had previously filed a dispute regarding this issue, which was marked as resolved. However, the inaccurate late payment entry remains on my credit report, which has negatively impacted my credit score.

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


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

Feedback to Nelnet response Nelnet has refused to remove this fraudulent loan from my credit report. Nelnet fail to provide the documents I have requested numerous times in each one of my letters. Nelnet is constantly insulting, and defaming my by requesting for me to send letters from a credit repair specialist. When I am a XXXX XXXX XXXXXXXX and own my own credit repair business. I am filing a suit Monday XX/XX/2022! Im done disputing! Thank you CFPB for reaching out to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit breaks are reporting fraudulent information on my credit report 1. XXXX XXXX has a payment agreement of XXXX $ per month 2 XXXX is not mine 3XXXX is not mine 4 XXXX  XXXX  is not mine
Product: Mortgage

I would like to file a complaint against Chase Mortgage due to their communication practices. My husband and I have been homeowners for XXXX years, up until the past couple of years due to unforeseen circumstances we have always had an excellent credit score. My husband lost a very good job in 2006 and it took up until this past XXXX to replace it with a job that has an equivalent salary. The problem is that during the time that he was unemployed or very underemployed our debt continued to rise. About XXXX months ago for the XXXX time ever, we got one month behind on our mortgage and it just could n't have been avoided. Now since we have a not so perfect credit score that we are working very hard to bring back up, Chase finds it necessary to call our home several times a day. Last week I told them XXXX times in the same day that the payment for the second mortgage had been made and they needed to give it time to show up in there system. Keep in mind, due to our pay schedules we have always paid our first mortgage on or close to the XXXX of each month. They are now relentlessly calling my home with " courtesy calls '' when I have told them that the payment will be made on the XXXX as our pay history shows that we do. The " courtesty or reminder '' call I can understand. I understand that I owe them approximately {$200000.00}. However, I can not understand their reasoning behind calling me several times a day, increasing our financial stress which impacts our health negatively. We have been through a lot since 2006 financially, emotionally and everything else. My credit is very important to me, but I think it is a waste of my money and every other mortgage and/or stock holders money out there for them to employ people to CALL SEVERAL TIMES A DAY AND HARASS people who were impacted very negatively by the economy and many cutbacks and are working hard to pay their bills. What they are doing is harassment and it needs to stop. I do n't need a reminder for my mortgage - I think about it daily. I hope you can do something to stop them from this distasteful practice. This makes absolutely No Sense when the account has a XXXX day grace period. When I can pay ahead, I will but I am not currently in the position to do that and do n't really need them telling me that is what I need to do. Trust me, if it would make them leave me alone, I would. Thank you for your time.
Product: Credit reporting

Experian is not responding to my requests to investigate, verify and remove an account from my credit report that does not belong to me.
Product: Mortgage

XXXX paid Loan Care the back arrears in XXXX of 2022 and they also paid 3 months mortgage payments in advance. They sent an award letter to Loan Care letting them know the amounts that they were paying at that time which they stated were {$620.00} per month which Loan Care agreed to, but the payment amount was actually {$920.00}. So in the meantime the mortgage amount of the mortgage being in default has been steadily growing each month so that now it is {$5300.00} behind. Now keep in mind that I have called Loan Care several times and XXXX has sent them several letters asking for XXXX XXXX letters but they are ignoring the requests. 

XXXX has now said that there is nothing more that they can do and I do not know what to do. If Loan Care would just send them the Loan Modification letter it would be straightened out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the ITEMS stated below continue to appear on my credit report, which is a violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame specified by law, they failed to adequately investigate the situation by using a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I require this situation to be resolved immediately. Please remove the following elements from my file : XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute negative information on my credit report maintained by your Credit Reporting Agencies under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 regarding permissible purpose.

Upon reviewing my credit report, I have identified certain negative information that has been reported without my explicit permission or a permissible purpose as defined by the FCRA. As a consumer, I have the right to control who can access and report information about my credit history, and I did not authorize the reporting of the negative information in question.

I hereby request that the Credit Reporting Agencies conduct a thorough investigation into the reporting of this negative information and provide documentation demonstrating the permissible purpose for its inclusion on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only permitted to furnish consumer credit reports to those with a permissible purpose, such as for credit extension, insurance underwriting, employment, or other legitimate business transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX capitol one credit card collection agency-XXXX settled the debit owed by me along with my lawyer to {$12000.00}. see attached settlement letter. 
Since then I have regularly paid the said amount to the debit collector. later this debit collection was taken over by XXXX XXXX XXXX firm. The payments were made to this debit collector. The final payment was made on XX/XX/XXXX. a total amount of {$12.00}, XXXX was paid to the debit collector ( see attached bill payment statement from XXXX XXXX XXXX ). I have paid an excess of {$80.00}. since XX/XX/XXXX after the final payment was made i called XXXX office many times and requested a XXXX balance letter, refund of my excess payamnet, and report to credit bureaus as fully paid. NONE OF THIS HAPPENED FOR THE PAST MONTHS. I have called XXXX debit collector and emailed them several times more than 20 times with the attached settlement agreement sent by XXXX and the total amount of payment made to the new debit collector. 

Experian sent me a credit report which states that there is one negative report on my report. I disputed it with experian. but they came back with the same resolution that I still owe {$3700.00} as of XX/XX/XXXX. THIS IS INCORRECT. CAPITOL ONE CC IS ROGUISH FINANCIAL COMPANY THAT PREYS ON POOR PEOPLE AND MAKE UP FRADULENT CHARGES. THEY MUST BE TAKEN TO TASK AND MADE TO PAYBACK MY EXCESS PAYMENT, and fix my credit report immediately. 

I am applying for a home mortgage to refinance my home which is going under foreclosure. but this negative report and dishonest loan balance reported by capitol one is severely affecting my mortgage loan application.

I humbly request the CFPB staff to take immediate action and order capitol one to remove the inaccurate credit reporting.

see attached files from experian report on capitol one CC and supporting evidence that I have paid the loan as per settlement agreement.

Capitol one must report as XXXX balance. 

thank you for your help and prompt action. I am very grateful that our government has created agencies like you to help citizens from predators. 

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

I had disbelief when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX*********** I was never late 30 days in the month of XX/XX/XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a certified letter to Equifax ; along with a data breach document regarding my personal information along with others were compromised from my previous school I attended and asked them to remove the following inquiries below : XXXX XXXX XXXX XXXX XXXX dated XX/XX/2020 XXXX XXXX XXXX XXXX dated XX/XX/2020 XXXX XXXX dated XX/XX/2020 XXXX XXXX XXXX dated XX/XX/2020 XXXX XXXX XXXX dated XX/XX/2020. XXXX XXXX XXXX dated XX/XX/2020 I advised Equifax to provide me with following information below to in fact confirm these inquires. In which they did not provide in the letter the mailed to me dated XX/XX/2020. 

1. Name and title of person who pulled my credit. 
2. Date they purport I gave permission. 
3. Method they purport I gave them permission. Please include documentation of said permission By law I have the right to request verification of any inquiries and if the creditor can not provide the inquiries need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft / fraud. Someone has used my name, my addresses, my Social Security number, my date of birth and my employers name to open accounts in my name. They have had access to my XXXX XXXX account as well I have discovered, and I think that this is partly how they accessed my information as well as through my Health Insurance coverage claims. 

I have disputed and disputed these 3 accounts with both XXXX  and the companies directly over and over and they still have not removed them from my XXXX  credit report. 

1. XXXX / XXXX XXXX  2. XXXX  / XXXX  3. Lending Club Corp THESE ARE NOT MY ACCOUNTS I have been told by XXXX  for both of those accounts to contact XXXX XXXX because they now own both of those accounts, I did so, and XXXX XXXX found me not responsible for these accounts and sent me letters stating this, which I have attached here. Yet, XXXX continues to report these to XXXX. I have sent all of this documentation to XXXX and to XXXX multiple times.
Product: Debt collection

On XX/XX/19, I called XXXX XXXX to find out what date I was paid through. I was told I was paid to XX/XX/19 and I requested to cancel service on XX/XX/19. I was told service will be canceled and to ship the equipment to avoid charges. At midnight XX/XX/19 my service was not connected in the house. On XX/XX/19 I received a text from XXXX indicating boxes to return my equipment was shipped. A few days later I received a XXXX bill to cover for service in XX/XX/XXXX {$180.00}. I did not pay it because I canceled service and did not have it. On XX/XX/19 I called to ask specifically which equipment to ship back to avoid charges. I was told service was off as of XX/XX/19 and to ship only the TV cable box and remote. On XX/XX/19 I received a text from XXXX confirming the shipment was received. A couple of weeks later, early XX/XX/XXXX I received a letter from Eastern Account System of CT to collect a debt for XXXX  for {$180.00}. In that letter it states to call within 30 days to pay or dispute the charges. On XX/XX/19 ( well within 30 days ) I called to dispute the charges. The male phone representative said he will submit the dispute. On XX/XX/XXXX I receive a letter dated XX/XX/19 stating I did not respond so they assume the debt is valid and reported to the credit bureau. I have NEVER had a derogatory against my credit and now my credit score dropped over 60 points!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting this account on my report ... I have written them 6 times as well as all 3 credit bureaus to validate/verify this account ... no one has been able to do so..in fact XXXX XXXX nor the credit bureaus have sent me anything back at all pertaining to this account ... .This account is not verifiable nor ablt to be validated therefore XXXX  has removed it from my credit report ... Why hasnt XXXX  and Equifax followed suit as they are supposed to? This is a violation of my rights ... .This account is not even reporting 100 % accurate as it is supposed to by law .... 

Date of Last Payment : XXXX  XX/XX/XXXX Equifax XX/XX/XXXX -- XXXXThis has been reeaged Date Last Active : XXXX XX/XX/XXXX Equifax XX/XX/XXXX -- XXXXThis has been reeaged High Credit : XXXX {$4100.00} Equifax {$3300.00} look at the 2 year history equifax is reporting a new charge off every month this is killing my score ... XXXXthey then report it as ok XX/XX/XXXX and XX/XX/XXXX after reporting a ton of charge offs prior ... 

My next step is contacting the state attorney general and a consumer attorney if this is not removed immeditaley