23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was recently purchased by Freedom Mortgage Corporation. I received a notice of this change dated XXXX. Upon receiving my first billing statement, I noted a {$150.00} fee ( undefined reason ). I called Freedom on XX/XX/XXXX about what the fee was for and I was told it was for an appraisal. I informed them that I didnt request an appraisal and had no need for one and to kindly remove the fee from my account. I also notified the customer service rep that this was predatory behavior and I wouldnt accept it. She submitted a request to review the fee to their customer care team. While I waited on the response I did some research online. This company just settled a class action lawsuit in XXXX for, guess what, charging fees for home appraisals. Looking at the settlement, the amount paid in the settlement appeared to be less than the fees they charged. I am rather confused by that, but I digress. I received a letter dated XX/XX/XXXX that says the Customer Care Team received my inquiry regarding a fee and that the corporate advance fee was an appraisal fee. It made no reference to my request to remove the fee, nor did it justify the fee based on any mortgage paperwork I had signed. This is absolutely unacceptable. I have no control over my mortgage being sold to a bunch of scam artists. I no longer feel comfortable setting up automatic payments with this company since they will steal from me if I let them. Please assist me in correcting this type of behavior with selfish corporations like Freedom Mortgage and remove a fee from my account intending to prey on me in the hopes that I wasnt aware of an increase in my mortgage bill.
Product: Money transfer, virtual currency, or money service

My sister, XXXX, and I have trusts at Northern Trust. There was originally only one trust, which was then split up. Per XXXX XXXX, the former Trustee, the trusts were split into exact equal parts with one portfolio manager investing them the same way. This was confirmed by the fact we both received nearly the exact distribution each month for the past two years. The distributions are automated. My sister receives her distribution on the XXXX of the month and I receive mine on the XXXX of the month. In XX/XX/XXXX, my sister received her distribution of approximately {$3000.00} ; however, I received nothing at all on XX/XX/XXXX. I emailed XXXX XXXX, the current trustee on XX/XX/XXXX and asked what happened to my monthly distribution. He stated my distributions had been stopped in XXXX, even though my sister 's distributions remained in active status. He then went ahead and manually sent me my XXXX distribution. I assumed he would correct the error and turn my distributions back on. In fact, he did nothing. My sister received her automated XXXX distribution in the amount of {$11000.00}! You can confirm this with her by emailing XXXX XXXX XXXX at XXXX. I received nothing at all on XX/XX/XXXX. Again I emailed XXXX XXXX on XX/XX/XXXX. He told me my distributions remained turned off but I was due {$2000.00}! He then manually sent me that amount of {$2000.00}. He refused to explain why there was a discrepancy of {$9000.00} between what my sister had received and what I had received. I believe this was a deliberate and maliciously motivated cheating me out of {$9000.00}. I had filed a complaint with you previously against Northern Trust and this was a retaliatory action to cheat me out of a substantial sum of money. There is no other explanation for such a huge disparity in what my sister and I received for the XX/XX/XXXX distribution, and I want this investigated.
Product: Credit card

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THERE ARE FRAUDULENT ACCOUNTS ON MY REPORT PLEASE REMOVE THIS ACCOUNT FROM MY REPORT AS IT IS HUNTING MY ABILITY TO GET CREDIT
Product: Debt collection

ENHANCED RECOVERY CO : XXXX XXXX XXXX {$530.00} XXXX tO WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX XXXX XXXX. I would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute collections accounts reported on my credit report and to report a potential violation of XXXX XXXX XXXX XXXX. The collection agency and/or credit reporting bureau may have failed to exercise proper diligence in ensuring the accuracy of the information reported, resulting in harm to my credit profile. 

Details of the Disputed Account : ( I attached the log of my consistent dispute of inaccurate items reporting to all 3 credit bureaus and also the collection agency i disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for the Dispute : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers of information are required to ensure that all information reported is accurate, complete, and verifiable. I believe this account violates those standards for the following reasons : The balance & names reported is inaccurate or unverifiable The collection agency has not provided validation of the debt upon my request as required under the FDCPA. 
Additionally, XXXX XXXX XXXX XXXX states that any party failing to comply with the requirements of the FCRA may be held liable for actual damages sustained as a result of the noncompliance, along with costs and reasonable attorneys fees. The inaccurate reporting of this account has negatively impacted my credit score and financial standing. 
Request for Action : I am requesting the following actions to resolve this matter : Conduct a full investigation into these accounts. 
Provide me with all documentation validating this debt, including but not limited to the original agreement, payment history, and any communication. 
If the investigation determines the information is inaccurate, remove this account from my credit report immediately and notify me of the correction. 

Please consider this letter a formal complaint and request under the FCRA. I request written confirmation of your investigation findings and the actions taken to resolve this matter. Failure to address this complaint appropriately may result in further action, including legal remedies as provided under XXXX XXXX XXXX XXXX. 
Thank you for your prompt attention to this matter. Should you require additional information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 
Sincerely, r
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for the past 7 months been sending requests to the CFPB about the inaccurate and incomplete information that continues to remain on my credit file with XXXX. The account XXXX XXXX is ONLY reporting on my XXXX credit file, it is not on any other field. Not only is this account still reporting inaccurate and incomplete information and I have requested this to be updated by the bureaus since XX/XX/2023, but I am also submitting another request. The law states that all information must be complete and accurate and if the request takes more than 30 days the items should be removed from the file. 
The 2nd account is reporting inaccurately and with different dates, different amounts, different notes in the description this is a violation. 
Account : XXXX XXXX XXXX $ XXXX orignal creditor XXXX- DATES ARE DIFFERENT, AMOUNTS ARE DIFFERENT AND THIS ACCOUNT ISNT ON XXXX. Only XXXX and Equifax, this is a violation as all information should be complete and accurate. 
Accounts : XXXX XXXX XXXX {$1500.00} is still also reporting inaccurate information with XXXX and different information with XXXX AND EQUIFAX XXXX this is a violation.
Product: Debt collection

Repeat calls
No letters
MA law 3 letters 2 from credit card then collections 
I never received any
Calls same person 25 calls
I changed my phone number that i had for 20 years
Product: Credit card or prepaid card

An account from Sallie Mae Credit card appeared on my credit report. This is not mine and should be deleted by the data furnisher. 

This is a result of fraud and i have attached a full police report indicating the theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to reach out to all three bureaus since XXXX if last year involving inaccurate items on my credit report. My scores are in the XXXX and its making things very hard on me and my family to accomplish our goals. My credit report is reporting collections accounts that should not be on there, late payments that never happened and more negative items. I am very displeased with the lack of response from the bureaus. I initially wrote them 52 days ago back in XX/XX/XXXX of 2020. I wrote them again on XX/XX/XXXX of this year. Please do something about this! It has been over 50 days!
Product: Credit reporting or other personal consumer reports

LCI is reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the U.S. BANKRUPTCY XXXX XXXX XXXX OF GEORGIA. Which is false. 
I have attached a letter from the U.S. BANKRUPTCY XXXX XXXX XXXX OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 


,
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX 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. 


XXXX EXPERIAN XXXX 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

On XXXX XXXX I wrote a check to XXXX XXXX XXXX for $ XXXXand on XXXX XXXX one for {$30000.00}. XXXX XXXX construction never received these checks. 

The checks were stolen by XXXX XXXX  XXXX XXXX. a non- employee for XXXX XXXX XXXX . He deposited the {$72000.00} into his personal account at Chase Bank. The bank should have never allowed the deposit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, Florida XXXX XXXX
Product: Debt collection

The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am XXXX XXXX XXXX and XXXX  with on where to go due to COVID 19. My business took a beating, I had to lay off all my employees and encountered a death among my staff. My business suffered very badly. I lost everything even my home. I am living at the extended stay here in XXXX XXXX MO. I went and found a small 2 bedroom house that needed a little work done to it, but didn't have enough money to close the deal. My closing is today XX/XX/2021 at XXXX. Since I did not have enough money to close, my family sent me the money to do so. They sent it through XXXX money app. so I can have a roof over my head and prevent me from not having anywhere to go. The bills here at the expended stay are more than what I can afford. I transferred all money from the XXXX app to the Bank Of America savings account which was {$1300.00} dollars and I put another {$560.00} with another {$100.00} dollars cash into the account to bring the amount upto {$2000.00}. This is what I needed to close my new home. I was scheduled to close today. Yesterday I got an alert from BOA stating my account had falling to {$25.00} dollars the day before my closing. When I called to see what had happened, I was told BOA had taken the money out to put towards another account that's overdrawn at the bank. The money was taken without my permission or consent. I don't have a place to live and now I don't even have enough money to pay the extended stay. I need the money back so I can close on the house ASAP.
Product: Credit reporting

CAN NOT GET A COPY OR INTO REPORT ONLINE, WHILE I HAVE BEEN AWAY ATXXXX XXXX XXXX XXXX I THINK MY PARENTS ARE USING MY SOCIAL SECURITY NUMBER, INCLUDING A ELECTRIC BILL THAT I JUST GOT
Product: Debt collection

XXXX XXXX XXXX XXXX  has placed a collections account on my credit stating I owe them {$37000.00}. I called the company multiple times stating I am a victim of identity fraud and this account does not belong to me. Instead of asking me for my police report or the officers information, they want me to settle the account for half the amount. XXXX XXXX XXXX XXXX  is a horrible company and harasses me constantly for a debt that doesn't belong to me.
Product: Credit card or prepaid card

I spoke with CitiBank XX/XX/2021 XXXX EST about payment structure during the XXXX XXXX AND THE STATE OF XXXX LOCKDOWN FOR 12 MONTHS. 
I WAS TRANSFERRED THREE TIMES AND THEN on the fourth attempt no answer and hung up. 35 minutes of wait time ... This is the kind of service WE THE PEOPLE HAVE TO PUT UP WITH DURING THE LOCKDOWN WITH THE XXXX XXXX? 
THIS IS NOT BUSINESS AS USUAL, ANYONE SAYS IT IS THEIR LYING. 

I have reached out several times to no AVAIL and have not rectified the issues that are plaguing the NATION ...!!
Product: Debt collection

The company filed judgment with the courts and place the debt on my credit. The judge ruled that the case had been satisfied and hereby dismissed by the courts. I have reached out to the collection company to dispute this collection off of my credit but they refuse to remove it and they disconnect my call. This tactic by the company has caused the stress and hardship, well as extreme homelessness for my family.
Product: Credit reporting or other personal consumer reports

I am writing to address a concern regarding the extended fraud alert currently placed on my credit report. My name is XXXX XXXX, and I kindly request the prompt removal of this alert. I have enclosed the necessary documents to verify my identity, including my proof of ID, proof of address, and proof of my social security number.
Product: Credit reporting or other personal consumer reports

I asked Experian to honor and process my factual disputes for the following accounts, as I am legally permitted to do under FCRA Sectiion 611. Experian has a legal obligation to conduct an independent investigation. Federal law does not permit Experian to verify an account as accurate, when in fact, it is inaccurate. 

Experian will not explain to me why they insist on maintaining inaccurate and incomplete accounts on my credit file. They are illegally maintaining inaccurate information on my credit file which violates my rights for completeness and accuracy. 

I asked Experian on several occasions to investigate my disputes, and they have not done so. Experian has repeatedly stamped my disputes for these accounts as verified and accurate even though the information they report is incomplete and inaccurate! 
Federal Law requires these items to be deleted if they are not corrected. Experian keeps asking me to re-dispute, only to tell me that I can not re-dispute even though they are required to fix the inaccuracies. 

I have asked the CFPB to look into these matters previously and was assured that they would be fixed. Experian will only send a template reply that another investigation is being initiated, but the investigations are not independent ; they do not involve proper verification, so the items are automatically stamped as " verified '' even when the information is clearly wrong. 

Here are the accounts that have had ongoing inaccuracies and missing information for several years, even after asking the Consumer Financial Protection Bureau to review my complaints for their failure to comply with the Fair Credit And Reporting Act as it relates to my credit file. 

1. XXXX XXXX XXXX The account has been reporting inaccurately for several years, even after disputes requesting correction or deletion as permitted by FCRA. This account shows multiple charge offs with absolutely no payment history, no negative payment history to justify the negative reporting. The account must be deleted for inaccuracy. 

2. XXXX XXXX # XXXX Experian erroneously reports consecutive charge offs for XXXX and XX/XX/XXXX, but there is no payment history to justify these entries. How can an account have a charge off without a payment history to justify it? Experian did not investigate this account, nor did it check for accuracy, because if they did, it would have been apparent that this is inaccurate. The account is eligible for immediate deletion under FCRA. 

3. XXXX XXXX XXXX XXXX Experian was repeatedly asked to investigate and to provide the documentation they must have in order to verify this account. The account reports a charge off for XX/XX/XXXX, but there is no other payment history to explain the charge off. They said the account was verified as accurate, but how can they report an account as negative with no proof. They can not explain how a charge off was entered with no payment history. The account was never corrected and per FCRA 611, should be deleted.
Product: Money transfer, virtual currency, or money service

XXXX XXXX # XXXX SSN, inmate, XXXX offender in prison at XXXX XXXX XXXX in XXXX, use social media steal people, photos, steal money from me and his fiance XXXX XXXX in XXXX NC, threat me want more money, try attempt murder me If I dont send money them as blackmail. Police Department dont believe me tied to XXXX XXXX XXXX He is XXXX Crimes, State Prison Officers have him cellphone or tablet in prison. They are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of XXXX XXXX XXXX XXXX and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper DOB is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

Over the years I would get multiple overdraft fees when it should not of happened with Bank of America
Product: Debt collection

All Requested documentations to verify alleged debt were not delivered and they refuse to comply by not delivering all requested documentations it has been sixty days under the law they must delete thirty after not complying with my request
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian and the following companies with these unauthorized inquiries and the companies are stating they do not have me in their system and can't find where I applied : 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
Product: Credit card or prepaid card

American Express charged 2 {$39.00} late fees for a {$75.00} dollar carried balance over 45 days. Spoke with XXXX XXXX who explained the company policy of charging {$39.00} late fee and {$39.00} for a carried balance or 2.09 % whichever is greater for balances which are greater than {$50.00}. This resulted in late fees greater than my balance which is unreasonable by any measure.