23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern, I am writing to formally lodge a complaint regarding my recent experience with Freedom Mortgage. I have recently assumed a mortgage and/or had the second borrower removed from my account via a transfer of entitlement. Since this transaction, I have been unable to access my online account, which has caused significant inconvenience and frustration. 

When I initially contacted your customer service department, the representative attempted to walk me through the process of accessing my account but was ultimately unable to assist. I was then transferred to another representative, who, upon hearing my issue, responded with an attitude and informed me that because I had completed an assumption, I no longer had access to the online portal. When I asked if this was a temporary restriction or permanent, the representative could not provide a clear answer, stating simply, " Thats just the way it is. '' This lack of information is unacceptable. When I further inquired about who makes the decisions regarding account access, the representative was dismissive and unhelpful. I then requested to speak to someone more knowledgeable, but she attempted to deter me from doing so. After she reluctantly contacted another department, I was transferred, and the call was abruptly disconnected. This forced me to call back and start the process all over again, which only added to my frustration. 

Additionally, I was told by another representative that the reason I can not access my online account is due to a " security breach. '' This explanation makes no sense, particularly because I have been the primary owner of the residence the entire time, and nothing has changed with the loan except for the removal of a second borrower. It is unclear why this alleged security issue would only affect customers who have assumed mortgages, and this vague and inconsistent reasoning is inadequate. 

Furthermore, I was not provided with any information post-closing regarding how I would be able to access my account, and I find it unacceptable that no solutions were offered to restore my access. The fact that I now must call the customer service line every time I want to make a payment, and that I am unable to set up any type of automatic payment, is an unnecessary and frustrating burden. The lack of options for varied payment schedules, such as weekly payments to minimize interest, is yet another point of frustration. 

Overall, I am extremely dissatisfied with the service I have received from Freedom Mortgage. The company 's failure to provide clear reasoning or a solution to my online access issue, combined with the poor customer service and lack of transparency, is deeply troubling. I would like to request that this issue be escalated and that I be provided with immediate access to my account via the online portal, just like other customers. If this is not possible, I demand a clear and reasonable explanation as to why. 

Please treat this complaint with the seriousness it deserves and provide a response that addresses the issue. 

Sincerely, XXXX XXXX XXXX ( Account information to be provided separately )
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit. These inaccuracies are significantly affecting my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts are old and no longer valid on my report as well as a few where ran with out my consent when shopping for home loands and cards
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 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 

15 USC 1681 Section 602 States I have the right to privavcy.

15USC 1681 SEction 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B 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 1637b of this title is mailed or delivered to the consumer not later than 21 days brfore the payment due date.
Product: Debt collection

First they try call you and an automated voice says. We are trying to collect a debt. Please call us at the number then they provide the number. I will never back unless they can validate with a person to prevent a scammed to get my information. 

Second, once I get a letter they say I owe XXXX plus interest and fees. I asked them if I can settle for the original amount owed to the XXXX XXXX and they say I can pay what ever I want but the debt will still be there and accrue interest while unpaid. 

Third, if you try to set up payment arrangements they then want to tack on an additional XXXX fee for each transaction. 

I just want to pay off what is owed and not get gouged out of my money. The original debt is for XXXX and they have said that this debt has already been reported to my creditors but they don't know when it will show.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint against XXXX regarding a item I have disputed on my credit report numerous times..My most recent dispute was received with the results from XXXX on XX/XX/2020 ..Account XXXX from Child Support Enforcement Status Remains Unchanged and Information received Certified.The account is listed as Negative /Derogatory. I spoke to New York State Child Support Enforcement and they said this account was not reported to the credit bureaus because I never had a balance or a past due amount..the account was transferred from another state South Dakota thru interagency communications to New York by error and then almost within a month transferred back to South Dakota from New York per their request..then the account was closed with XXXX balance in New York..New York State sent me a statement showing XXXX original balance and no balance due or late..I submitted this information to XXXX but they keep reporting on my Disputes that the State of New York is verifying it was a ChargeOff /Collection and Derogatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted dispute letters to Experian, XXXX, XXXX  and I have not received any responses and I am very upset and these items are damaging my score. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. I demand these items be removed from my file because at this point its a violation of the FCRA
Product: Checking or savings account

My XXXX card was emptied on XXXXXXXX. Apparently a hacker hacked my checking account with Bank of America and transfer funds to their personal account with same  Bank of America. My case hasnt been resolved they said investigation will take 10 business days and might get a temporary credit if the claim is prolonged but there is no guarantee I will get my money XXXX nor temporary credit. I want to make a police report for identity theft and retrieve the fraudulent person to put criminal charges against them but bank wont give me their information only the last 4 of the thief individual.
Product: Credit card

Try to do payments on time with Amex, Using their app. 

Take the payments but also charge me {$25.00} dollar fees because they never take the payments on time. 

Because of that problem I did payment with bill pay from my bank account same issues take XXXX days to clear balance on the card. 

Always setting limits to my card the balance never is clear or credit fast enough making me problem at the time to use the card, plus {$25.00} fees every time they want to do so. 

Please I need a resolutions with American Express.
Product: Debt collection

This situation is puzzling to me because I have never been to any hospital in Florida or anywhere close to Fl on the date of XX/XX/2015. Although I have lived in Florida to take care of my mothers when she had XXXX XXXX but never to any hospital. 

XX/XX/2015 was not in hospital The amount of {$850.00} is not mine because I was not there. 
Also I have reason that the social security you have on file isn't correct with mine, because on Step 4 where it asks for account number or last 4 digits of social. As I enter my last 4 it does not let me proceed which gives me reason to believe that the social you have on file is also incorrect which would make sense because it was never me there at hospital. " Identity Theft ''
Product: Money transfer, virtual currency, or money service

So I filed a claim with wells fargo fraud department about a unauthorized XXXX transfer that was done in my account thats I was unaware of. I waited 10 business days to be only told that I was the one who sent the money when I have no relations to the person nor have I ever met them to be sending them {$440.00} and im a victim of fraud and need my funds returned back to me. They closed my account I have been banking with them for a long time and it frustrates me that they refuse to help me.
Product: Mortgage

Flagstar mortgage dramatically miscalculated my taxes for my escrow, basing them off of taxes paid my first year, which were not an accurate representation for a regular year of taxes paid. They did not catch this issue in a timely manner, leading to a severe deficit between what was paid for my escrow and what was actually owed. Now they have dramatically hiked my mortgage payment by over {$300.00} per month. They told me today that the way this was done is standard procedure, so apparently every person who gets a new loan from Flagstar ends up years later with a dramatic hike in their mortgage payment. I have serious issues with this company every year that Ive never experienced with other mortgage services, including them just losing a mortgage payment. But this is the issue Id like to focus on.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I leased a vehicle and finance through XXXX XXXX. I set up online payment and was charge the first month. However, XXXX claimed that because I did it on a XXXX weekend their system did not allowing reoccurring charges or auto pay. This was not on their website, there was nothing on their site to tell me that this was only going to be a one time charge. I have a screen capture to prove what I am saying. 
However, the second month did not charge and XXXX XXXX failed to notify me that the account was going to be late. The notified me 34 days pass due via email and I took the necessary step to ensure that the account was up to date and payments were on time. 
XXXX is refusing to remove the delinquent report even though I can prove it was their system that cause the error. Subsequent calls to XXXX XXXX culminated in very little being done to repair the harm to my credit. XXXX is claiming that their experience with the account is that of delinquency even though I have decades of outstanding credit. The account is up to date and no money is owed. After months of on time transactions and continue on time payments, XXXX XXXX is refusing to issue a retraction and as a result the report is negatively impacting my credit score and is costing me more for credit. I believe XXXX is purposefully damaging the credit of consumers. I have the necessary evidence to support this claim, their excuses are a little suspect since It would not be in their best interest to damage potential customers, unless their intent is to charge more for their service due to bad credit.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX DEPTEDXXXX  Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX
Product: Mortgage

I noticed a double MIP payment on my Bank of America mortgage statement and called to question it. This has happened once before and I was told by the customer service agent that my mortgage was being transferred to XXXXXXXX XXXX XXXXXXXX. I researched the company through Consumer Affairs and discovered numerous complaints from customers. I called BOA and told them that I was totally against this and that they should be protecting me from such inferior servicers. They stopped the transfer. Last month I noticed it again, I called and they refused to give me any information and told me I would be getting a letter in the mail. Two weeks later I received it saying that as of XXXX XXXX, 2018 I would be transferred to XXXX. This is totally unacceptable and I emailed them again to complain that this is a terrible mortgage servicer and fear my mortgage could be in jeopardy because of their terrible customer servicing. I am up to date with my mortgage and their is no reason for this transfer except for a profit to BOA at my expense. This practice must be stopped and is hurting many homeowners who are struggling. I fortunately am not and want to keep it that way. It is BOA job to protect it 's customers from these type of servicers or inferior service. It should be nothing less of what they offered.
Product: Debt collection

This company XXXX XXXX XXXX XXXX  {$190.00} XXXX XXXX Recently reported on XX/XX/XXXX and was placed on my credit again IC System {$190.00} XXXX XXXX I disputed it XX/XX/XXXX 1 year ago then the Information was updated and I seen the changes on my report it was removed. I have no knowledge of this account I want it to be removed permanently. Fraudulent
Product: Credit reporting or other personal consumer reports

I asked for proof of verification of late payment on account in the form of visual proof sent to me of documents. instead they reported the account as open in XXXX and XXXX which is not true as well as a charge off status and a balance of updated as of XX/XX/XXXX all of those things are untrue. They changed it to report many errors nothing reported on this report for this account is correct. This account was not even open between the years of XXXX and XXXX. Under the FCRA they must delete the account if they can not accurately verify and report the information. The reporting of this inaccurate and recent fraudulently reported late payments are very damaging and are holding me back from getting a mortgage approved which in turn allows me to request financial compensation of {$1000.00} per violation, which happens to be 22 violations through the court. 
XXXXXXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect credit reporting of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I issued a Letter of DIspute to XXXX, XXXX, and Transunion via the C.F.P.B, outlining issues of incorrect information they were reporting about me. As per the Fair Credit Reporting Act and the F.T.C, XXXX had 15-30 days in order to respond to my Letter of Dispute, failing to do so required the to delete ALL erroneous items which I had disputed to them. XXXX did not respond to my Letter of Dispute untill XXXX, therefore failing to respond in the time frame allotted to them by Fair Credit Reporting Act and the F.T.C. It is without a doubt that XXXX, XXXX, and Transunion are certain of these laws which they must abide by, however this case is a prime example of XXXX 's clear and blatant disregard of the Laws set forth in the Fair Credit Reporting Act and the F.T.C, and proves how they actively work to undermine the Laws and Regulations set forth upon them by their Superior 's. I will attempt to yet again contact XXXX, XXXX, and Transunion via the C.F.P.B in hopes of having this matter resolved the way the Law writes that it should, however if i find that this does not solve the issue which i have i spelled out in our prior correspondence, then i will have no choice but to obtain Legal Counsel and seek damages for this continued injustice. It is my hopes that XXXX will not force me to tie up unnecessary time and resources of our Courts in order to have this wrong righted. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$35000.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received an annual credit report and it include a " HISTORY '' going back several decades. When I asked why they even had that information I was informed it helped with rating my credit score. 

I was under the impression the only thing that affect a score was recent history. I had no idea they could even retain records going beck 30 years or more. 

I also don't believe this should impact my credit rating. When I asked they to delete this information from their records, they refused. 

Is there some way to correct this?
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results
Product: Debt collection

They claim I took out a loan with them, but I did not. 
They say perhaps my identity was stolen, but my credit has been locked down for years. 
I have to manually unlock it, so I'm aware of every credit related transaction. 

Originally they had been calling every month or so for about a year. Each time I spoke with them I asked them not to contact me again. 

Recent logs ( as far back as my phone goes ) - XX/XX/2023 - Call. Asked not to be contacted again. 
XX/XX/2023 - Call unanswered XX/XX/2023 - Call. Asked not to be contacted again. 
XX/XX/2023 - Texted. Asked not to be contacted again. 
XX/XX/2023 - Asked them to contact the right person and not me. 
XX/XX/2023 - Two additional texts. 
XX/XX/2023 - Call. Told them they were wasting my time again.
Product: Consumer Loan

I received my settlement check from Ally Auto Finance Settlement Department dated XX/XX/2016 and made a forward of address in XX/XX/2016. Not knowing why it was n't forwarded. I called XX/XX/2016 to request a replacement being that check XXXX expired XX/XX/2016. I have been separated from my husband since XX/XX/2016 and have not been at the address on the check since. When I called, there were n't even able to suggest how to go about receiving the funds that are due to me. Please advise
Product: Credit reporting

I am not able to get through either to the Credit Card company or to Equifax or XXXX. There is a report by XXXX of my being an " authorized user '' on a Credit card that was not paid when my husband XXXX in XXXX. As I am sure you know, as a matter of federal law, this is not my responsibility. TransUnion answered the phone and was very considerate about the matter and assured me that an investigation would be opened and it should be removed in about 30 days. XXXX hung up on me. Equifax and Experian only respond to requests regarding recent fraud and security breaches. Can I get some help? I am a very frustrated widow, here, with a XXXX year old trying to get a credit repair.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name- XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1. 15USC 1681 section 602A. States I have the right to privacy 2. 15 USC 1681 section 604A section 2- It stated a consumer reporting agency can not furnish an account without my written instructions.

3. 15 USC 1681C a ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by no more than seven years.

4. 15 USC 1681 S-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 is in accurate.
Product: Credit reporting or other personal consumer reports

There has been a record of disputes on this fraudulent account. I have reached out to both Experian Credit Reporting Agency and XXXX XXXX XXXX to provide validation of the account. I have no relations with XXXX XXXX XXXX XXXX and I have requested numerous of times for this alleged account to be removed from my credit report. I am a victim of identify theft. Experian Credit Reporting Agency are aware does have this updated in their records. Accurate information should be reported to my consumer report. Accounts that I have no knowledge of should be deleted from my consumer report. According to the FCRA credit reporting agencies are required to ensure the maximum accuracy and integrity of the information they report. In this case, the inclusion of this fraudulent account on my credit report is a clear violation of 15 USC 1681E ( B ) I also have the right to request information on how the account was verified. In this case both Experian Credit Reporting Agency and XXXX XXXX XXXX XXXX has violated my consumer rights.