23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

So, on are about XXXX thru XXXX of 2019, I tried responding to paying down some credit card debt with U.S.A.A and had made payment arrangements. I spoke with several agents in the Credit card dept. Talked with XXXX from member debt solution I.D . XXXX regarding my XXXX XXXX XXXX. 

In addition set up automatic payment plans with confirmation I.D . numbers as follows : XXXX, XXXX, XXXX. Spoke with agent XXXX on XXXX, spoke with XXXX on XXXX, XXXX from member hardship I.D . XXXX whom had a negative attitude. 

Essentially, other additional months ensued before some actions were taken because at the time of said arrangements, I believed they were in motion, much to my chagrin arrangements were not honored two months later. This resulted in several expensive fees on credit card accounts however one account remained in an arranged payment status, which is why it was baffling that, U.S.A.A did not answer my many request to alleviate these problems. 

Furthermore XXXX continued to charge fees and place negative remarks on credit report, and since outsourced to collections with XXXX XXXX XXXX of which I have disputed with C.F.P.B and gotten a response in lieu of Covid-19 and inability to get a appropriate determination with U.S.A.A on how this problem got worse
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately. 


XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
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 federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following account has been paid but XXXX, XXXX, and Equifax have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$960.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION. 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. 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 by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Freedom Mortgage has consistently failed to provide me requested information and forms in a timely manner, preventing me from refinancing my Freedom Mortgage held loan with a new lender. Specifically, it took 25 days and over 10 calls to their call center for Freedom Mortgage to issue me an escrow analysis. This delayed my close date. Then Freedom Mortgage failed to issue me my payoff amount in a timely fashion. This has the potential to delay my close date. Their customer service team is incompetent and does little to resolve your issues. Please investigate.
Product: Checking or savings account

Someone received Ohio Unemployment benefits in my name with a application date of XX/XX/XXXX. Even though I have been employed at my job since XX/XX/XXXX. Than Friday XX/XX/XXXX I received a bank statement from Keybank ( that I have no accounts with ). I went to the branch today and filed fraud paperwork with them as well.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is improperly and impermissibly reporting an account to the Equifax, XXXX  and XXXX  consumer as an unpaid " collection '' when the original XXXX XXXX XXXX  account was removed due to fraud. Moreover, the account has been reported twice to each of the agencies - some with delinquencies reporting as late as XXXX, 2020. Complaints to XXXX XXXX and the credit reporting agencies have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, my information has been compromise in XXXX data breaches, public records has been place in my name, I have try to resolve this, but information keep posting in my credit. An FTC complaint has been attached to this request, please block this information from my credit file.
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 be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose reporting lates XX/XX/XXXX AND XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom to may concern, In early XX/XX/2020 I had become an authorized user on my cousin 's XXXX XXXX XXXX credit card. They had said they would show me in the credit files to all 3 of the major credit agencies and have not. I will also put an attachment from XXXX XXXX website. It is now Middle of XXXX and I do not see this card anywhere on XXXX, equifax or XXXX. I have called XXXX XXXX a few times. They said they would fix it and it just had to be updated. I just feel like nothing has been done to show my information. I understand with covid everything is backed up. Just want my information to be accurate.
Product: Prepaid card

I placed an order with XXXX XXXX for a XXXXXXXX XXXX order here in XXXX ohio. XXXX XXXX cancelled the order shortly after it was made and reversed the charges that day ( XX/XX/XXXX. ). Money network told me I had to wait 7 calendar days for my money. Today, XXXX XXXX, they told me I would have it by the end of today. Just now they told me to wait and call back tomorrow because they weren't going to release the pending charge today, AFTER THEY TOLD ME THEY WOULD.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX phone directly from XXXX using their interest-free credit line serviced by an outfit called XXXX Account XXXX. 

I had set up automatic payments through my bank and went on with my life. For some reason the bank stopped making auto payments as of XXXX of XXXX  and I was not aware about it until the credit company sent me a letter in XXXX of XXXX  ( why did they wait 5 months?? ) at which point I promptly went ahead and paid off the whole remaining balance of {$500.00} something dollars. 

In the meantime, this company had started killing my credit score by dropping it about 200 points just because of 2 missed payments of {$28.00} something dollars. I had 25 years of impeccable credit history, it is obvious that there was no ill intent on my part. What were I to gain by forfeiting 2 payments of {$28.00}?? It doesn't make any sense. I paid the whole thing off immediately when the issue had surfaced. I contacted the company in 2019 and wrote them letters which were scoffed at. I spoke to a manager of theirs and again my plight fell on deaf ears with the same rebuttal of " you were late and that's that ''. There was no compassion or any willingness whatsoever to assist a customer with a problem. 

I am coming back to this issue now and I want justice. I opened another dispute with Experian, which now says it was updated but I don't see any results whatsoever. The delinquency is still on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non compliance with the Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Mortgage

I wish to file a complaint against Loandepot and their mortgage collection company imortgage. I believe Loandepot purposely raised my mortgage to an amount I could not afford to try and sell me refinancing or other services. 

I obtained a mortgage from Loandepot for a home in XX/XX/XXXX. In XX/XX/XXXX while attempting to pay my mortgage payment of {$1800.00} I was unable due to the fact that the website was saying my mortgage was {$2100.00}. Thinking this was a computer glitch I called imortgage and was told that my mortgage was now {$2100.00} ( and {$320.00} increase ) because a deficit in escrow due to an increase in property taxes, even though my property taxes were current. I argued for more than an hour that could not possibly be correct and could I pay my agreed-on mortgage payment until they got it straightened out. I was told no. I could not afford the new payment and would not have qualified for a loan with a mortgage payment of that amount. Imortgage offered me all kinds of programs like refinancing and loss mitigation options to help me but they all cost more money and more importantly, I knew that they were wrong about the property taxes. I had several phone calls with Imortgage with multiple people telling me different reasons for the increase. I finally had to sell or lose my home. I listed my home at the beginning of XX/XX/XXXX and it sold right away. I did not pay my mortgage in XX/XX/XXXX or XX/XX/XXXX and Loandepot reported that to the credit bureaus. After the home had sold Loandepot adjusted the escrow deficit to {$430.00}, and spread that out over 12 months so my mortgage payment increased {$36.00} instead of the massive {$320.00} which was approximately what I thought it should be ; however, it was too late because the home had been sold. 

This deliberate or not, inaccuracy has been very costly for me. To date, I am out {$69000.00} for rent, realtor fees, deposits, storage, moving fees and so on. I have written to Loandepot trying to get my credit cleared and they have done nothing except send me a snarky response saying these things happen. The BBB was no help either. This home was a multi-generational home, my grandsons lived there with my daughter and her husband. They had to leave the state for a period of time due to not having a place to live. The unethical business practices of Loandepot has severely impacted my family financially and our quality of life. They should be investigated for their incompetence or unethical and possibility illegal activity. This company either made changes to my account to try and sell me other services to save my home or because they have XXXX  working for them. My belief, it is both. 

I do have multiple documents and some correspondence to back up this belief.
Product: Mortgage

On XXXX/XXXX/16 a late payment was processed through DITECH CO for XXXX ( my XX/XX/XXXX payment and made a future dated payment for XX/XX/XXXX which would have been drafted XX/XX/XXXX. On XXXX/XXXX/16 a web bill pay was made through my bank in the amount of XXXX to GREENTREE SERV TYPE ( this was a Payment that should have been stopped by my bank since a cancellation was requested on XXXX/XXXX/16 because I made a payment directly through DITECH CO., my bank XXXX XXXX XXXX said they were unable to stop it because it went through as GREENTREE. ) due to this mistake my account became overdrawn. I spoke with DITECH CO on XXXX/XXXX/16 who agreed to return funds within 4-5 business days. This was not done. After numerous calls made to get the funds and getting the run around it was now XX/XX/XXXX. I told the representative to keep the funds and apply to my account for XX/XX/XXXX payment since we are in XX/XX/XXXX now. They said ok. 2 weeks later I get a notice of default because my XX/XX/XXXX payment has not been paid and I 'm still owing on XX/XX/XXXX payment ( which is lost by them in the first place ) so I call back and spoke to XXXX who said he will take care of it personally and advised me to make my XX/XX/XXXX payment in good faith that XX/XX/XXXX will be resolved. So I did. Now two more weeks later I called them because I 'm getting ready to pay XX/XX/XXXX and they still are saying I 'm behind a month and keep giving me the run around. They told me today I have to wait 30 more business days. I just want somebody to help me get this resolved because I am being given the run around and my credit is being affected.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX 60 30 60 30 60 30 I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS CHANGING THE STATUS OF THIS ACCOUNT AS CLOSED ONE MONTH THEN OPENED THE FOLLOWING MONTH. SINCE XX/XX/2019 THE STATUS OF THIS ACCOUNT CHANGES EVERY OTHER MONTH OPENED/ CLOSED THEY PURPOSELY LIE TO THE 3 CREDIT REPORTING BEAREAUS. THIS IS DONE INTENTATIONALY ELECTRONICALLY. AFTER I MAKE DISPUTES TO THE 3 CREDIT BEAREAUS THEY MARK THEM AS CLOSED. THE FOLLOWING MONTH THEY ARE CHANGED BACK TO OPEN.THIS MUST END. THIS ACTIVITY IS ILLEGAL BY FEDERAL AND MARYLAND STATE LAW. AFTER 3 YEARS AFTER FIRST DELINQUENCY THE ACCOUNT IS OFFICIAL CLOSED AND YOU CAN NOT SUE OR SEEK A LEGAL REMEDY. I SENT THEM CEASE AND DESIST NOT TO CONTACT ME VIA US CERTIFIED MAIL AND RECEIVED GREEN RETURN CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I filed a dispute with equifax for reporting incurrate information. With confirmation # XXXX dated XXXX XXXX from equifax it states that I should contact : XXXX XXXX XXXX XXXX XXXX 


I have previously contacted them and they provided me with a letter. I did and they provided me with a letter that says they do not provide information to credit agencies. So how was this information that was not verified? This is a complete violation of my consumer rights. As states of 15 U.S.C 1681s-2 ( A ) ( 1 ) : 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 may be inaccurate. 



I have attached letter of results from Equifax and from clerk us bankruptcy court
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report in notice I had fraudulent account on my report please removed this account from my report it's hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : XXXX XXXX XXXX Account # XXXX, XXXX and XXXX XXXX XXXX XXXX has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately. 
I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
TransUnion is a consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition. 
Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, TransUnion, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to TransUnion, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked. 
The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). TransUnion is not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX
Product: Debt collection

Portfolio Recovery stated that i owe them {$620.00} for a XXXX XXXX card ending in XXXX, but on their verification letter the amount is {$620.00}, These amounts are different, and since they record their phone calls i would like them to share the conversation i had with them on XXXX/XXXX/15 at XXXX ( XXXX XXXX XXXX ) stating i owe {$620.00}, and how I have a letter from them stating i owe {$620.00}. I find this to be unlawful for them to collect the wrong amount. I demand that since their unlawful practices trying to collect more money than i actually owe that their reporting to all XXXX credit bureaus cease immediately. And any mention of Portfolio Recovery and Associates be removed from all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS EXPOSED IN A DATA BREACH 15 U.S.C. 1681 is the section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA governs how consumer credit reports are accessed, and how consumer information is handled
Product: Credit reporting or other personal consumer reports

Please see attached documentation regarding XXXX XXXX account ending in XXXX which was deemed null and void, discharged, fully satisfied and which I was exonerated from. 

Despite this debt being nullified XXXX XXXX continues attempts to collect a debt they have confirmed they have no authority to collect, nor are they able to verify.
Product: Mortgage

This is in regards to my second mortgage account # XXXX, that I had with GreenTree. Green Tree sent me a letter stating that my loan was eligible for loan forgiveness and I was working with then to get a lien clearance on the loan. This Loan was transferred to ditech and they started harassing me with their letters. ditech should be working on forgiving my loan and issuing a title clearance on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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