23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Around the XXXX of XXXX, 2020, I was contacted by XXXX XXXX ( Senior Loan Consultant ; NMLS # XXXX ) from my current mortgage holder, Freedom Mortgage ( Corp NMLS # XXXX XXXX. This was in regards to a possible refinance of my existing home loan with them. I compiled the requested documents and signed a loan application. In early XXXX, I received a letter in the mail that the first application had been withdrawn although I never gave permission or was contacted before this was done. When I contacted XXXX, he assured me nothing was wrong but that I needed to fill out a second loan application and the details would stay the same. After XX/XX/XXXX, we never heard from XXXX XXXX again or about the status of the second loan application. In early XXXX, I was contacted by Freedom Mortgage about our loan application and that it had stalled. The Freedom Mortgage phone representative said they needed a few more documents and would email what Freedom Mortgage needed, but that person never contacted or followed up with me. On XX/XX/XXXX, I called Freedom Mortage to inquired about the status of the second loan application and issues with communication. I was put in touch with XXXX XXXX ( NMLS # XXXX ). After going over the situation, he said we could move forward. XXXX said I would need to resubmit all the data, start a new loan application, and rerun my credit score. I did not want to rerun my credit score because of the previous issues were on Freedom Mortgages end, but assured me that it was okay. I resubmitted the required documents, agreed to the second credit pull, but I did not sign the third loan application as my wife 's name was wrong on the form and I had some further questions before signing. I emailed XXXX XXXX my concerns. I followed up with emails on XX/XX/XXXX, XXXX, and XX/XX/XXXX and several phone calls and voice messages that went unanswered and unreturned. On XX/XX/XXXX, I contacted Freedom Mortgage again and requested to speak with XXXX supervisor. I explained my issues for the past 2+ months and that I had not be contacted about my previous two loan applications and I wanted more information before signing a third application. The supervisor said he would contact me ASAP to figure everything out. As of XX/XX/XXXX, I have still not been contacted by Freedom Mortgage about anything. My complaint is in regards to the requests to fill out multiple loan applications, not communicating the status of my loan applications ( approved or denied ), the second credit pull, and overall poor communication regarding the status and process of the refinancing.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. state have the rights to privacy. 

account : OFFICE OF ATTORNEY/ AMOUNT XXXX $ ACCOUNT XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish an account without my written instruction. 

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 items of information other then records of conviction of crimes which antedates the reports more then 7 years. 

15 U.S.C 1681s-2 ( a ) ( 5 ) 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 is inaccurate.
Product: Mortgage

My mortgage payment is withdrawn from my account on the last day of the month prior to the month that is due. I am currently in the process of refinancing my loan so I logged into my account to check my payoff and noticed that my account is still showing due for XXXX/XXXX/2020. I logged into my checking account to verify my bank sent the payment just like every month prior. Sure enough on XXXX/XXXX/2020 payment left my account and was transmitted to Planet Home Lending. I called planet home lending and advised that my payment had not posted and they advised that they had not received any payment from my bank. I hung called my bank and advised that Planet Home Lending is saying they have not received the payment. She researched it and provided me all the info regarding the payment along with the transfer ID for the electronic payment. I then called Planet and provided this information to them and they advised they would submit to the accounting department but that it may take up to 10-20 business days ... .... Not sure what to do as the only way to avoid late payment fees and a XXXX day late hitting my mortgage is to make another payment for what I already paid. I have read many customer reviews and I am seeing that if you try to refinance your loan and not use Planet home lending they are doing things like this to make it difficult to complete the transaction. Any help to have this payment posted would be greatly appreciated.
Product: Debt collection

The collection agency attempting to collect on behalf of Navy Federal Credit Union states this is a new collection account. The debt transferred from Navy Federal to XXXX and the debt drops off for XXXX days and is added back to my credit reports as new. This debt stated during a period of time where I needed medical care and stopped work. I contacted the bank for assistance and made every attempt to make payments while on XX/XX/XXXXXXXX. The debt was given to collections and is being improperly reported by Navy Federal and the debt collection. I became ill in XXXX so this debt is XXXX years or older and should no longer be reported on the credit report. The debt collection shows XXXX as the year of the debt. Which is false information.
Product: Credit reporting or other personal consumer reports

This account was closed from the apartment and this should not be on my account because it was closed with the apartment manager
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding the inaccurate reporting of a debt on my credit reports by XXXX XXXX, a debt collector, which is having a detrimental impact on my financial well-being. 

As of today, Tuesday, XX/XX/, I have been diligently working to address this issue by contacting XXXX Funding and their servicer, XXXX XXXX XXXX, in an attempt to obtain the necessary account records and proof that this debt is indeed mine. Regrettably, my efforts have been met with frustration and a complete lack of cooperation from these entities. 

Despite numerous attempts, both XXXX XXXX and XXXX XXXX XXXX have consistently claimed that no record of this debt exists under my name. To my disbelief, the supervisor for XXXX XXXX XXXX, XXXX, essentially told me to stop calling as they insisted they had no information under my name. This is not only uncooperative but also highly concerning given the impact this situation is having on my credit. 

I have attached copies of my credit reports from all three major credit reporting bureaus, XXXX, Equifax, and XXXX, for your reference. As you can see, XXXX XXXX XXXX reporting of this debt has resulted in a significant negative mark on my credit reports, which is unjust and damaging to my financial standing. 

I have taken the initiative to notify XXXX, Equifax, and XXXX about this issue, providing them with the relevant information. However, to my dismay, they have claimed that they have already investigated the information and have concluded that the debt is indeed mine. This response is both disheartening and troubling, as it appears that these credit reporting agencies are neglecting their fundamental duty to conduct thorough and accurate investigations. 

I urgently request the intervention of the Consumer Financial Protection Bureau to rectify this situation. It is imperative that the negative mark on my credit reports, attributed to XXXX XXXX, be removed immediately. I am suffering the consequences of this inaccurate reporting through no fault of my own, and it is affecting my ability to secure credit, housing, and other essential financial opportunities. 

I kindly request that you investigate this matter thoroughly and take the necessary actions to ensure the removal of the erroneous information from all three credit reporting bureaus. I believe that the attached credit reports, along with the lack of cooperation from XXXX XXXX and XXXX XXXX XXXX, provide sufficient evidence of the inaccuracy of this debt on my credit reports. 

I am grateful for your attention to this pressing issue and look forward to a prompt resolution. If you require any additional information or documentation from my end, please do not hesitate to contact me at the provided email address or phone number. 

Thank you for your assistance in rectifying this matter and restoring the accuracy of my credit reports. 

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

Please be advised that this is my 3 rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly
verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }. 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & amp ; 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED.

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name _ US BANKRUPTCY Date XXXX Account XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT_/ NEVER FILED_______ Account Amount_ Account Name_US BANKRUPTCY Date XXXX Account XXXX Reason for dispute__WITHOUT EFFECTIVE XXXX XXXX Account Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute the accuracy and fairness of my credit report. Specifically, I am disputing the information regarding my XXXX XXXX XXXX account number XXXX. I have reviewed my credit report and noticed that XXXX XXXX XXXX has reported several late payments on my open-ended credit/credit card account. 
According to 15 USC 1666b and 15 USC 1681a ( 2 ) ( A ) ( 1 ), transactions and billing errors are not to be reported on a consumer report. It is important to note that reporting late payments on an open-ended credit account/credit card is illegal. In accordance with 15 USC 6802b, any such information should not be included in a consumer report. Therefore, I am requesting that these late payments be removed from my credit report. Furthermore, I am disputing the accuracy of other information reported by XXXX XXXX XXXX. The reporting of inaccurate information violates 15 USC 1681e ( b ), which requires that all information reported to credit bureaus be accurate and verifiable. 
Therefore, I am requesting that XXXX XXXX XXXX verify the accuracy of all information they have reported to the credit bureaus. If any information is found to be inaccurate, I request that it be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act, I am entitled to a free copy of my credit report from each of the credit bureaus once per year. I have enclosed a copy of my credit report highlighting the inaccuracies and errors I have discovered. Please investigate this matter promptly and respond within 30 days. If you find that the information in question is inaccurate or can not be verified, please remove it from my credit report. 
Thank you for your attention to this matter. 


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

I iust looked at my credit report because I have huge goals. I am looking to buy my first house. I iust wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

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 investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.
Product: Student loan

I am receiving calls from Navient continuously throughout the day. The calls started on XX/XX/2023, and still receiving them. However, when I log on to the site, this is the message : Important : Your U.S. Department of Education ( ED ) owned loans are now being serviced at XXXX 
They ( Navient ) have also reported to the credit bureau that my loans are 90 days late. Please explain this to me, as I believe there has not been a ruling on repayment as of yet. I appreciate the time and effort you are putting into this matter for me. 

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

I needed a co signer to purchase a vehicle at XXXX XXXX in XXXX XXXX. I was approved on paper that we had both signed, then days later said I was denied. The dealership ran my credit and my co signers credit without our approval in desperate attempt to get a bank to approve the loan. I had told them if these aren't the rates or the bank doesn't approve do NOT keep trying. I didn't want to ruin my score more than it did as well as the co signer. After not being approved I told them I would return the car and pick up my trade in that they tried to rip me off on. The manager XXXX came at me very rudely and pushy in attempt to sell me a different car. He tried scaring me that my car was going to break down and it would leave me stranded, ( when my vehicle passed all of the safety tests or whatever they check when you trade in a car. It took 3 weeks to receive my refund on my down-payment which was very frustrating, on top of them issuing the check to the co signer when I was the one to purchase the vehicle. They damaged my subwoofer/Amp when they removed it from my vehicle. The general manager wasn't any better he answered the phone unprofessionally by saying who's this? Then offered a free tank of gas for all of the trouble when that doesn't fix any issues. I live 1.5 hours away for that tank of gas by the way. I cant believe the disrespect of this dealership to talk to a female shopping for a vehicle and causing so much damage to 2 people 's credit score out of desperation to sell a vehicle. He talked to me like I couldn't afford a vehicle and that my car was pretty much garbage when they were going to make XXXX on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this inquiries port XXXX XXXX  I did not authorized this inquiry.
Product: Debt collection

Paypal tried to claim a debt not owed. They shut down my account are forcing me to pay the {$25.00} not owed in order to use my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX who has directed me to Equifax and Equifax who keeps directing me back to XXXX. I am an authorized user on this account and it use to show on my Equifax but it seems they have removed the trade-in in correctly. I need it to put back on my Equifax report and am getting no where with anyone. Below is the beginning of the account number. 

XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX for their failure to adequately validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$350.00}
Product: Money transfer, virtual currency, or money service

I had money stolen through Western Unionhackers on XX/XX/XXXX and only after complaining to the CFPB did I get a response from Western Union this week, XXXX months after the fact. 

In the e-mail, XXXX XXXX from the resolution team tells me that a person used ID to pick up the money. I asked how he could possibly know when the exact location was never even disclosed. XXXX XXXX keeps saying " I'm sorry to hear, I'm sorry to hear. '' and tells me if I want more proof, I need a subpoena. Thanks for telling me XXXX MONTHS after I had money stolen and brought this to your company 's attention. The more I e-mailed " XXXX XXXX '' the more I heard " I'm sorry to hear, I'm sorry to hear. '' so I decided to call the phone number and his extension in the e-mail and you can't make this up... THE PHONE NUMBER DOESN'T WORK AND THE CALL DROPS. 

The more I re-read the e-mails, the pattern of inconsistencies I see in the writing of the e-mail. XXXX XXXX isn't a real person, western union is using artificial intelligence to resolve issues with customers but XXXX XXXX, you'd think in a serious situation like this they'd have an actual person helping out! Instead, Western Union looks out for their hackers because they don't want their company to have a bad reputation.
Product: Debt collection

XX/XX/2024 {$3800.00} I asked to verify debt. 

Wont they validate debt? 

Why asking me pay a debt after its been paid, Asked is this debt even mine?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had credit card cancelation dept with XXXX XXXXXXXX XXXX and I had recive 1099 c form and reported to my tax return as year XXXX in XX/XX/XXXX and till this day haven't being removed from my all cridet card beuro and I had being submitted more than requested to Transunion, XXXX to being investigated and remove from my record having being romvoed till this day and still effected my credit score and I can't apply for buying home.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance {$9500.00} XXXX CARD XXXX Balance {$870.00} XXXX XXXX XXXX Balance {$91.00XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXXXXXX Balance {$600.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified of a credit pull on the below companies, I did not authorize this activity, nor did I apply for a credit card from a makeup company. Filed a complaint with XXXX and notified the company below, They have no record of this : If this is the case, this should be removed from my credit report. Security alert placed on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

we have sent payments every single month and company SLS can not figure how to process them. Now they sent one payment back and changing payment history by 30 day late for 3 months after giving us a refund of 1 payment they took 90+ days ago and bank records confirm it sent on time. Now posting monthly payments as late because of their own accounting probelms ...
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX XXXX  XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Hi I did not authorize XXXXXXXX XXXX XXXX  date XX/XX/XXXX states opened balance {$XXXX} and reporting my account XX/XX/XXXX, XXXX XXXX XXXX XXXX account open XX/XX/XXXX for {$XXXX} as balance I did not authorize to charge or to run my credit and report to my credit or open an account I authorized nothing to them they keep trying to charge me for something I do not recognize I need this removed from my account this is fraudulent please help me resolve this issue. I did not authorize XXXX XXXX XXXX to charge or report or run my credit to my account they are saying I owe them a balance of {$XXXX} they reported to my account XX/XX/XXXX of XXXX I did not authorize XXXX XXXX to run my credit XX/XX/XXXX I did not authorize Bank XXXX XXXX XX/XX/XXXX. Please remove these from my account.