23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I got this final complaint regarding XXXX XXXX on inquiry on XXXX XXXX I did not make or do I have idea who did XXXX XXXX XX/XX/2024 should be removed from my report attached fin report I filed thanks
Product: Credit reporting or other personal consumer reports

There are XXXX companies on my credit report XXXX XXXX XXXX XXXX a collection agency representing XXXX XXXX spring oats Capitol and theres a collection agency representing XXXX on my credit report. These companies have already received proceeds for these accounts which these accounts has already been satisfactory and paid for and these accounts are remaining on my credit report trying to milk me for more money. I am filing this report. These companies are now committing Deceptive acts they have received proceeds for these accounts and they are still trying to milk me for money. I am filing this report so that I can send this report number to XXXX and XXXX to so that these merchants will not ever be able to have access to my credit report again.
Product: Debt collection

On XX/XX/25 I received a letter from Klima, Peter and Daly stating they filed a Warrant in Debt for a balance due of {$13000.00}. The original creditor named is XXXX XXXX. I have no knowledge of this creditor. The named law firm stated I was served. I was not served previously or contacted prior to the letter received on XX/XX/25 that is dated XX/XX/25. Additionally, the hearing is set for XX/XX/25 and I've been denied proper notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.
Product: Debt collection

This company has been contacted many times and I have asked to documents showing the contract I signed. They have sent nothing in response to dept validation request. In addition I was never officially informed this company was attempting to collect any debt. They have information that is not mine such as addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the DPTED/XXXX partial account numbers are listed in the spreadsheet attached this complaint. ( Please also reference the following pages on the attached credit report : 8, 9, 10, 11, 12, 13, 14, 15, 16, 30, 31, 32, 33 and 34. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. 

Equifax and XXXX is reporting incorrectly that I am 120 days past due on the XXXX partial account numbers are listed in the spreadsheet attached this complaint. ( Please reference pages 40 42 of the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. 


Equifax is reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers are listed in the spreadsheet attached this complaint. ( Please see pages 43 AND 44 of the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of consumers below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, XXXX, EXPERIAN have violated my rights along with XXXXXXXX XXXX  allowing a late payment reporting to my report. 

Creditor : XXXX XXXX Dates : XX/XX/XXXX & XX/XX/XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I demand these late payments be removed immediately with an updated copy of my report mail to me for conformation.
Product: Mortgage

I have a mortgage with Freedom Mortgage, XXXX XXXX XXXX XXXX, MI XXXX. In XXXX, my home sustained considerable damage due to a hail storm. I submitted a claim with my insurance carrier, XXXX XXXX. Within a week, my insurance company issued a check for nearly {$50000.00} to make repairs. Freedom Mortgage is an endorsee on the check, along with myself and my wife. I was forced to mail the endorsed check to Freedom Mortgage, via USPS. They received the check on XX/XX/2023. As of this date, I have still not received the endorsed check back from Freedom Mortgage. The unnecessary delays have resulted in additional property damage and have personally cost me more than {$2500.00} to try to make temporary repairs on my home. I have contacted Freedom Mortgage numerous times. They have indicated to me that they intend to " reserve '' a portion of the funds until final inspections are done on the property. The problem is that contractors are telling me that they will not consider starting repairs until they are guaranteed payment. Freedom Mortgage does not return phone calls and often keeps me on hold for 30-45 minutes without answering calls.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 

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

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXXXXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/year>XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXXXXXX Date opened XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of fraud, I have had multiple accounts opened under my name, social security number and an address that is not mine. I alerted Experian to start disputes and made a police report. According to my credit records a XXXX XXXX XXXX account was opened under my information in XX/XX/XXXX without my permission and knowledge with the outstanding balance of {$980.00}. I made the police report on XX/XX/XXXX, then called XXXX XXXX  on XX/XX/XXXX to discuss the account that is not mine and the worker simply told me my dispute was denied and I was responsible for paying the outstanding balance with zero explanation. I then mailed XXXXXXXX XXXX a copy of the police report with my information on XX/XX/XXXX to which no one got back to me on.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/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 XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

On XX/XX/2022, I called my mortgage company, 21st XXXX, to find out why I had not received loss mitigation papers. I was told they did not receive loss mitigation papers from XXXX and they will foreclose on my property on XX/XX/2022. That's the next day. I stated to 21st Mortgage that I had not been notified. They said notification was sent to me and the attorney I had at the time. Neither the attorney or myself received notification. 21st XXXX will not provide me with documentation that it was mailed to me. I feel like this is an unlawful foreclosure. 

The next issue is the attorney I had at the time, XXXX XXXX, did not forward the loss mitigation forms I emailed to her email account. I have the original email showing it was sent to XXXX XXXX. I would not have lost my land and house had she forwarded my loss mitigation forms. 

I am seeking to have my house and land returned to me and am seeking monetary remediation regarding XXXX XXXX 's failure to forward the loss mitigation forms I had sent to her per her request. She stated she would send the paperwork.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : CHILD SUPPORT ENFORCEM XXXX Balance : {$280.00}
Product: Mortgage

Bank - Huntington When the pandemic first began, we placed our loan into forbearance as we were quickly losing work and, subsequently, income. On several occasions, Huntington representatives confirmed that payments missed during forbearance would either be owed in full at the end of the forbearance period OR payments would be added to the " back '' of the loan, thus changing the loan maturity date. Huntington is now forcing us to either pay the loan or accept a subordination loan, claiming that despite misinforming us throughout the entire forbearance process, our loan is an FHA loan and the modification we were initially told would happen was offered in error. We requested that a supervisor pull and review calls. We were told that this was, in fact, done and that we were misled and misinformed. 

Currently, our loan is showing as 6 months behind. We would have never entered into forbearance had we known we would be forced to accept an additional loan. We are now attempting to refinance our current mortgage and are unable to do anything as our loan is not current. At this time, we have been advised that we will likely have trouble obtaining a refinance with both a mortgage and subordination loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its was removed now its back on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I received notification from XXXXXXXX XXXX that they were changing the branding of their credit card from XXXX to XXXX. The new card should arrive by mid XX/XX/XXXX. XXXX XXXX came and went no new card. XX/XX/XXXX came and went no new card. Called and was told would mail new card. XXXX came and went no new card received. Called again and was told new card sent. A new card was finally received in XX/XX/XXXX and activated. In XXXX I withheld payment of the bill until they could get me a new card. I requested company reverse late fees, interest and credit reporting since card was not received until XX/XX/XXXX when due XX/XX/XXXX. I am requesting the reverse all interest, late fees and reverse their in accurate credit reporting from XX/XX/XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

Lowes credit card. Someone used my number to purchase items and gift cards at a store on the other side of the USA. In the state of Carolina. 

I live in XXXX XXXX XXXXXXXX XXXX I work in southern XXXX and XXXX 

On XX/XX/XXXX. The Lowes credit card department Verified my identity and then told me that they are canceling the account number and sending me a new card. 
And that it was being submitted to their fraud department and that I am NOT responsible for the over {$1500.00} charges. 

I am receiving the emails and texts for Payments Due. 

I have made calls to find out the status and I am getting the run around regarding this issue/investigation. 

I am very protective of my CREDIT. 

I was told today to PAY the amounts for now. I asked why I have to pay {$1500.00} to just sit while they investigate?!. 

I was transferred and transferred. On hold for 20 minutes. I thought that I must have been forgotten about. 

I hung up and I called back. Asked for the fraud department and as of this written submission I have been on hold for 65 minutes!!!! OVER AN HOUR. On hold. No one returning to the phone line. 

I will hang up and PAY the MINIMUM DUE AMOUNT today to protect/preserve my credit. 

I NEED HELP. 

Thank you. 

XXXX XXXX
Product: Credit card or prepaid card

My deferred interest payment plan with the XXXX XXXX credit card issued by XXXX   XXXX expires on XX/XX/XXXX. I mailed out a check on XX/XX/XXXX to pay my remaining balance of {$550.00} on the account. On XX/XX/XXXX, a finance charge of {$320.00} was added to my account with no notice that my payment was not received. I did not discover this until XX/XX/XXXX when I logged into my account. I paid the {$550.00} balance immediately using ACH and reached out to Customer Service multiple times to inquire on why I was charged 58.4 % of interest ( {$320.00} on {$550.00} ) without any notification. The APR on the account is only 28.24 %.
Product: Debt collection

Still mailing me after a C & D on XXXX/XXXX/2015 was faxed, faxed another on XXXX/XXXX/2015, another on XXXX/XXXX/2015 and now another letter has arrived. 

Exactly what has to be done to shut down blatant FDCPA violators? CFPB needs to step it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Debt collection

I understand it is illegal for debt collection companies to leave robo calls on my voicemail which is what this company does often. I have unfortunately deleted most of the voicemails until I was informed to keep track of them and report them. I do have the last XXXX voicemails. Ive attempted to tell them to stop calling on many occasions but there isnt even a real person on the line to communicate this to.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing 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 be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$3000.00}.
Product: Mortgage

The loan has an escrow payment attached due to a property tax non payment that is now 18 months ago. The taxes have been serviced the payments made insurance maintained. To be specific Bayview Loan Servicing has made two tax payments totaling {$4400.00} and I have made one over the period of the supposed escrow. All other payments have been made by myself. The mortgage company stated over the telephone several times the " escrow '' payments would be complete and the loan would return to the original loan payment in XXXX of XXXX. The overpayments have amounted to over {$10000.00}. The amount was to be returned to myself at the end of the escrow period. The escrow period was to be from XXXX XXXX ending in XXXX of XXXX. The XXXX payment includes the escrow payment again with a confusing " reset '' of the escrow amount claimed. When the company has been concatenated by phone the explanation has never been clear and the unknown escrow amount and timeframe now open ended. 
We have also had a problem with holding of payments for 10 days after mailing resulting in late fees
Product: Debt collection

XXXX Bank allowed an insurance company take out money from my account that I did not have in there. I had closed the account and there should have been zero activity on it. Due to XXXX bank 's error, I was overdrawn XXXX and they sent it to a collection company and now it is the only negative item on my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Customer Financial Protection act. ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly reported inconsistent balances across bureaus every month. This is an erroneous mistake by TransUnion. A charged off account should show accurate balances across all bureaus. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Halstead Financial apparently obtained a debt that was discharged due to identity theft. This has, as they note in the most recent text they sent me ( see below ) been resolved. Nevertheless, they have called and texted me daily -- usually before XXXX for a week now and it needs to stop. 

This is their most recent text : This text is from Halsted Financial, a debt collector regarding your XXXX XXXX XXXX assignee of XXXX account. Visit hfs.halstedfinancial.com/? XXXX & s=AeICB. Reply stop to opt-out or call XXXX. # of messages varies & data rates XXXX apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX, XXXX will not sue you for it, and XXXX XXXX, XXXX will not report it to any credit reporting agency. Reply STOP to opt out