23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

FREEDOM MORTGAGE CORPORATION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Freedom Mortgage is notorious for not posting mailed payments in a timely manner and I have called them in the past about this very issue. My XXXX 2016 payment was mailed XXXX/XXXX/16 and has not been posted as of XXXX/XXXX/16. I call and let them know on XXXX/XXXX/16 that if the check is truly NOT there I can make this payment today but if it comes through after that it will overdraft my account. The rep ( XXXX ) stated well you need to stop payment on the check.I refuse to spend money on that because I believe the check is there and I requested them to look for it. I was told no they do n't do that. I requested a manager and was told no manager is available and was transferrd to escallations. The rep there continuously interrupted me as I was requesting them to look for this check. He told me they will not look for the check. Both reps refused to assist me. This company has no respect or consideration for it 's customers and it clearly shows. All I 'm trying to do is make sure this payment gets posted on time. If the payment truly did n't make it to their location it will be the only time this has ever happened. I have been mailing my mortgage payments for 17 years and NEVER had a payment not show up or ever show up LATE. My credit history and score is well above average because I pay my bills on time EVERY MONTH. This better not show up on my credit report due to this companies negligence in handling payments. I have mailed in payments to this company regularly between the XXXX and XXXX of each month and it is verifiable that they do NOT POST until the XXXX, XXXX, or XXXX. This company simply refuses to assist me on an issue I did not create nor do I have any control over. This is truly a shame and I want a company officer to call me immediately. Do not report any negative activity on my credit report and have a company officer contact me immediately.
Product: Vehicle loan or lease

The amount owed the charge off amount written off and the balance owed does not make any since this company had an lawsuit to to the error in reporting the company is also reporting differently with all three bureau
Product: Credit reporting or other personal consumer reports

We lost our home in a fire 5 days before XXXX 2023. We notified the company the following week, due to the holiday and becoming homeless. We were told not to worry about any payments during this time, that the insurance company would issue the proceeds from the homeowners policy and pay off the loan since the house and everything in it was a total loss. Due to the holiday and the insurance company 's policies regarding total loss, they needed to certify what happened to the house, which took well into XXXX. We kept the lender updated as to what was happening and as soon as the investigation was completed, funds were issued and sent to the lender. We waited for over 2 months AFTER the lender had the check for them to pay off the loan! As if it wasn't bad enough losing everything, and being told things were good on the lender side, we came to find out that the company was reporting XXXX, XXXX, XXXX and XXXX all as late on the credit report when they told us not to worry about the payments and when THEY HAD THE PAYOFF CHECK!!! To add insult to this whole situation, during this time, they also initiated a foreclosure on the home! We have disputed the credit report several times and received nothing out of it but a form letter response and nothing has changed. This isn't right! We need to get another home and a loan for it, but can't now because of their recent reporting on the credit report. ( We have denial letters stating this is specifically the reason why our application was denied ). Even though this company has lied to us, charged us thousands in unauthorized fees and charges with no explanation, and denied us numerous requests for information and records, we aren't seeking any monetary damages or refunds, we just want this information removed from the credit report immediately so we can move on with our life, part ways from this lender, and never again cross paths with each other or continue to fight this same battle month after month.
Product: Credit reporting or other personal consumer reports

I called Wells Fargo and asked them to remove this from my credit report and I have already paid the credit card off and I don't owe wells Fargo anymore money.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX This account reported a late payment on ( XXXX, XX/XX/2023 ) the company Agree to remove the late payments from my report and change it to Never late. The account status should be never late. Please remove any late payment on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

experian refuses to conduct a proper investigation on the disputes requested. 
even after several complaints have been filed this credit reporting agency allows wrongful information to be reported causing financial injury to my estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS you violated my rights by supplying information to XXXX, XXXX, XXXX AFTER I FROZE your recorded. You violated my right to privacy you gave out my information now take it back from the 3 credit reporting companies
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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 is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit report to correct inaccuracies an they didn't! 

In accordance with the FAIR CREDIT REPORTING ACT : TransUnion is showing ACC. # XXXX from XXXX FEDERAL TransUnion is showing ACC. # XXXX from XXXX FEDERAL TransUnion is XXXX ACC. # XXXX from XXXX TransUnion is showing ACC. # XXXX XXXX XXXX XXXX XXXX is showing ACC. # XXXX XXXX XXXX FEDERAL XXXX is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX XXXX XXXX showing ACC. # XXXX from XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Ally bank are you guys serious my funds are being held up with your bank and I have no way of accessing my funds. In the final response you said that I havent reached out to the fraud department team since XX/XX/XXXX that is a total lie I call that department everyday which I will be showing proof. this bank has to be a scam I will win this settlement and I called your bank yesterday and they told me that Ally Bank is on the verge of closing my accounts and its nothing that I can do I also asked where will my funds be going and the representative had no answer as to how am I gon na recover my funds she just told me that someone will contact me its going on almost 50 days I havent had access to my money which is thousands and thousands of dollars. I had {$80000.00} in my account now its only {$60000.00} I believe you guys are trying to cover up for stealing my money XXXX Im so stressed out Im having mental breakdowns. Ally bank has robbed me of my money this is totally unfair this bank is corrupt I called u guys many times even yesterday I was on the phone with a representative for XXXX minutes and she said that my accounts are being closed and why is that what are you guys trying to cover up I will win my funds back and get a settlement I promise I will this is a disgrace. I have XXXX on my side and I will pray
Product: Student loan

Several loans should have been discharged due to my total and permanent XXXX courtesy of The Department of EdXXXX. However, they are still active and open many reporting incorrect payment account histories that have been disputed.
Product: Credit reporting

Victim fraud I have been trying to get in touch with the equifax agency to report the fraudualent active and indentity thief, have not been to above get in touch with them at all concerning this matter.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I declared I was apart of a national disaster for charged off and collections accounts. I disputed both as being in a national disaster and the collection amounts be removed as I was tragically impacted. 

Original Lender ; XXXX XXXX since sold the debt to XXXX XXXX XXXX. XX/XX/XXXX Original lender XXXX XXXX XXXX XXXX, since sold the debt to XXXX XXXX XXXX. XX/XX/XXXX. 

Charged Off and reported as a loss : XXXX XXXX XXXX opened XX/XX/XXXX closed and which is reporting charged off XXXX XXXX XXXX XX/XX/XXXX closed in XXXX now reopened and charged off. 

XXXX XXXX XX/XX/XXXX charged off Local government emp opened XXXX XXXX charged off and reported as a loss by creditor. {$4300.00} and account XXXX XXXX {$500.00} I asked that each account be removed and deleted from my credit report. These are very harmful to my score and credibility worth. As a result of being apart of a drastic life change these should be taken in consideration as the loss they already written off due to unforeseen circumstances such as a national Pandemic.
Product: Mortgage

XXXX XXXX  XXXX. XXXX was the lender for a property at XXXX XXXX XXXX, XXXX, XXXX that was FHA financed. The closing was in XXXX, 2016. It was sold under the XXXX ( XXXX XXXX XXXX XXXX XXXX ) aka 24 CFR 291.545 ( c ). which gives the selling broker the right to collect their commission from the purchaser. This was in accordance with HUD 9548 contract between the buyer and HUD which showed no real estate commission was to be paid by HUD. A written agreement was entered into between myself and the purchaser for the payment to me of a {$10000.00}. commission. XXXX XXXX received a copy of this agreement prior to the closing. However, they also received a commission bill from a HUD listing broker*. ( who would later admit in writing ) that they performed no selling services in the transaction. Annie Mac prepared the RESPA DOCUMENT that the Title Company subsequently used to make the commission payment to be made as shown in the RESPA statement on lines 700-703. This showed the HUD broker was to collect 1/2 of the {$10000.00} commission - {$5400.00}. 
( CFPB should also be interested in this complaint because the commission was paid for by the purchaser to the other broker with HUD mortgage proceeds. ) *HUD listing brokers only receive commissions when HUD specifies this in their 9548 contracts with purchasers. The HUD 9548 HUD approved did not have a commission stated because the sale was a GNND Sale. HUD sells these properties at 1/2 price as part of a " XXXX XXXX XXXX '' to teachers, police officers, teachers, and EMT 's. They did not qualify as a " third party beneficiary '' in this sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US DIST CT Bankruptcy XXXX XXXX XXXX Reference # : XXXX ; US DIST CT Bankruptcy : Dismissed XXXX Reference # : XXXX ; U.S. Bankruptcy Court XXXX XXXX XXXX Reference # XXXX XXXX ; U.S. Bankruptcy Court XXXX XXXX XXXX Reference # XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I disputed several charges with American Express for XXXX Resorts. I conveyed to American Express that the merchant did not provide the services that were provided. Specifically, the merchant advertised that they had multiple restaurants, many of the restaurant were closed or the same exact restaurants but changed the names at different times.The services rendered were so bad, we were going to change our flights to leave and come back to the United States. I contacted the hotel manager who apologized and offered us a cabana to compensate us for the poor service. I explained that a cabana would not be sufficient compensation. The staff was extremely rude and unprofessional. The resort was unclean and failed to live up to what was advertised on the website. American Express initially provided a credit but then reversed it after the hotel provided a copy of the cabana that was offered as a kind gesture. I, XXXX XXXX did not sign for any services at this hotel, My signature was never given as authorization for these charges.
Product: Credit reporting or other personal consumer reports

I am writing to report a case of identity theft that has resulted in fraudulent information appearing on my credit reports from XXXX, Experian, and XXXX. This situation is causing severe harm to my credit, personal life, and the well-being of my family members. Despite following all required legal procedures and providing necessary documentation, the credit reporting agencies have not taken any corrective action. I urgently seek the CFPB 's intervention to ensure that XXXX, Experian, and XXXX fulfill their legal obligations by promptly removing the fraudulent information, which is jeopardizing my financial stability and the security of my family members who depend on our shared financial well-being
Product: Checking or savings account

I am unable to access my account, withdraw funds or have access to 1099-INT paperwork since the bank will not mail it or send it otherwise. I have a XXXX XXXX account offered through XXXX XXXX  XXXX I have switched from XXXX to another mobile provider and my phone number, which I had used to log in, no longer allows me to log into my account. I have called support and they have not been able to help. I called on XXXX XXXX spoke with a CS rep as well as a supervisor. Neither could help me reset my password or get into my account or get my tax documents. I was told I would receive a call on XXXX XXXX to resolve it, but I did not. I want the funds, the tax documents and I want to close this account and be done with them.
Product: Credit card

I called Synchrony Bank today to pay my bill. After waiting ten minutes for the representative to find my XXXX account using my social security number, he told me he could not find it. I have already filled a complaint regarding this account after a {$240.00} payment was not applied to my account in XXXX 2015 and my account was sent to collections. I have already spent multiple hours over the last six months trying to locate my account in order to have my account updated and only when I finally filed a complaint here with the CFPB was anything done. At the end of XXXX, I received a correspondence from Synchrony Bank explaining what had happened. So, I called today to make my payment on my remaining balance even though I have yet to receive an updated bill and they could not help me. The representative asked for my social and said he could not find it. I was not even comfortable paying them in the first place since they lost my money the first time and then sent my account to collections despite their own error. I do not trust this company and this last interaction is only confirming what I already know - that they are incapable of treating customer fairly and doing their job. I am absolutely flabbergasted that this company can continue to take advantage of consumers with their disorganization and wrongdoing. Because of this XXXX account, my credit has continued to worsen as they took their time " finding '' my account. And now I am having to again XXXX them around to pay them, which again may harm my credit. This has to stop. I am sure that this company has had numerous complaints and it is not okay that I have to now spend many more hours of my life trying to pay something that should take 30 seconds. I want my debt gone from this company and to never have to deal with them again.
Product: Credit reporting or other personal consumer reports

My Complaint is to formally notify these credit reporting agencies of its failure to comply with federal laws governing credit reporting practices, specifically under 15 U.S.C. XXXX, 15 U.S.C. XXXX, 15 U.S.C. XXXX, and XXXX XXXX. XXXX. These statutes clearly outline the obligations of credit reporting agencies in ensuring accurate and lawful reporting of consumer credit information, as well as identity theft protections. 
No matter what I do to have you correct these mistakes you refuse. 

And So Pursuant to 15 U.S.C. XXXX and 15 U.S.C. XXXX, credit reporting agencies are required to take appropriate steps to verify and notify consumers when new information is reported to their credit file. To date, I have not received any notification or direct verification call from Equifax, Experian, Trans Union or XXXX XXXX regarding any entity that has reported to my credit file. This failure to notify me constitutes a direct violation of these statutes and compromises the integrity of my consumer credit report. 
Additionally, under 15 U.S.C. XXXXq, any person or entity that knowingly and willfully obtains or discloses consumer report information under false pretenses is in violation of federal law. Equifaxs, Experian, Trans Union or XXXX failure to ensure that entities reporting information to my credit file are doing so lawfully places you in direct violation of this statute. Furthermore, under XXXX XXXX. XXXX, the unauthorized use or mishandling of identity information is a federal crime, and by failing to verify identity-related entries on my credit report, Equifax Experian , TransUnion or XXXX XXXX XXXX complicit in allowing identity theft to occur. 

Moreover, there exists a provision under federal law for willful noncompliance, which holds entities accountable for knowingly failing to adhere to legal standards. This may expose Equifax, Experian, TransUnion or XXXX to legal liability, including statutory damages, punitive damages, and other legal remedies. 
Given the above violations, I formally demand the following : XXXX. Immediate investigation and removal of any unauthorized or improperly verified entries on my credit report. 
XXXX. Written confirmation of all entities that have reported to my credit file and proof of the verification measures taken. 
XXXX. Implementation of proper consumer notification practices in compliance with federal law. 
XXXX. A written statement confirming that Equifax, Experian, TransUnion or XXXX will adhere to all applicable laws moving forward. 
XXXX. For each Account on my report, I request settlement of {$25000.00} for your egregious and fraudulent practices. For me requesting an investigation and removal on all these accounts and you refusing, knowing you had no lawful right. there also needs to be a {$2000.00} settlement for each inquiry that i never authorized ever .... 

If these demands are not met promptly, I will escalate this matter to the Federal Trade Commission ( FTC ), and pursue legal action to enforce my rights under federal law.
Product: Credit reporting or other personal consumer reports

A car loan should be reported on my report as closed and paid in full. The lender has provided this information to Experian, and it is still not showing on my report. I am attaching a letter from the lender below.
Product: Debt collection

I worked for XXXX XXXX. They provided me with training in exchange for service upon obtaining my cdl. I was attempting to work off the debt, but they terminated me without cause.