23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage is reporting incorrectly to XXXX ; XXXX  and XXXX a prior delinquency in XXXX, XXXX on the FREEDOM MTG partial account number ****XXXX. ( Please see page attached from my credit report. ) I have also attached a copy of the letter from XXXX XXXX XXXX denying any responsibility for their error in not making my mortgage payment on time and causing a late payment to be added to my credit report. I have outlined below an extremely detailed accounting of what transpired with XXXX XXXX XXXX. They are continuing to deny any/all responsibility for the companys error in not making my home mortgage payment on time. 

1 ) I made my house payment in good faith through the XXXX XXXX XXXX bill payment service, the funds WERE available at the time of the transaction. At the time of the transaction, the bill payment process indicated a delivery date of XX/XX/XXXX, I trusted that the service would in fact deliver the payment by the stated delivery date on that transaction as shown in the attachment. XXXX took the funds from my account on XX/XX/XXXX. If for any reason, I would have thought my payment would take an additional three weeks, I would have simply called Freedom Mortgage and made the payment that day with no penalty or late. All XXXX bill payment center had to do was deliver the payment by XX/XX/XXXX ( an additional 13 days past the delivery date promised on your banking site ). 

2 ) Upon finding out that the payment had not arrived on or about XX/XX/XXXX, I began to call your bank for answers only to receive this response " the funds were taken out and it should arrive shortly '' from every supervisor within your organization. At this point, I could have recovered and made the payment on time however, your organization had the funds and DID NOT know where they were. Upon further calls to your supervisors, they were not helpful in anyway, as was discussed with you the following XXXX of XXXX. They ( XXXX Manager/Supervisor ), continued to blame it on their/your bill payment center and directed me to contact them directly. I made no less than 15 calls to your bill payments center and each time they said the supervisor on the next shift would call me back, I never received a call back or answers and I was not able to recover MY money to make the payment on time. 

3 ) XXXX XXXX bill payment center, sent my house payment to the wrong address, as stated and verified, and did not fix the error in time and delivered the payment 23 days after taking the funds, and 13 days after their stated delivery date. Because of their disregard for my issue and blatant lack of response to numerous calls I was not able to recover and make my payment on time. Consequently, I was zapped with a late on my credit report. 

Id like to reiterate that the funds were available and withdrawn from my account on XX/XX/XXXX. I trusted XXXX XXXX XXXX to make timely payments on my behalf. I respectfully request that Freedom Mortgage contact the ( 3 ) bureaus and remove this negative reporting from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against Experian regarding their persistent failure to remove inaccurate and damaging information from my credit report. This inaccurate information pertains to a false address listed on my credit report, which is having a detrimental impact on my financial standing. The address in question is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I must emphasize that I have never resided at the aforementioned address. In reality, this address corresponds to a XXXX Retail store located in a shopping center in XXXX, XXXX. My legitimate and only address is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have made multiple attempts to rectify this issue by contacting Experian through various means, including written requests and emails. Unfortunately, Experian has been unresponsive to my concerns and has repeatedly provided automated responses, refusing to take any action to remove the false address from my credit file. 

This false address is adversely affecting my creditworthiness, causing unjust harm to my financial stability and preventing me from securing the loans and financial opportunities that I deserve. I believe that Experian 's actions, or lack thereof, in this regard are in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to compel Experian to correct this error on my credit report promptly. I also request that Experian be held accountable for any potential violations of the FCRA in their handling of my case. I have attached proof that the alleged address is NOT a residential address but a XXXX retail store in a shopping center. XXXX it and call the store! How could Experian miss the obvious? 

I appreciate your attention to this matter and your assistance in resolving this issue. Please find enclosed the supporting documents, including copies of my correspondence with Experian and any other relevant materials. 

Thank you for your prompt attention to this complaint, and I look forward to a favorable resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for a private student loan in 2003 I was denied, reason stated : deceased. 

I have attempted to correct this since then dozens of times. 

It has impacted everything from my ability to rent cars or get phone service all the way to attending school and finding housing. 

They will not even provide me with a credit report to show me what the creditors receive. I have requested free and paid versions of my report and all are declined. 

I have been unable to rectify this and it has deeply impacted my daily life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Navinet continues to report inaccurately. According to XXXX  Navient, account number beginning with XXXX reports to all three credit bureaus 35 late payments which are incorrect. The account inaccurate reporting is affecting my credit worthiness along with my credit score.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$6600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$160.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$59.00} XXXX XXXX XXXX Account number : XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The foundation of my complaint ( s ) being filed against Early Warning Systems directly correlates to, and should be made part of as an addition, to another company, XXXX XXXX, for whom I've previously filed a complaint on as well. More specifically, Early Warning Systems, of whom XXXX XXXX is part owner as well as a partner in business, has been identified by over 8 banks, 2 insurance companies and multiple other institutions and/or business as the sole reason for my having been denied the ability to open a checking account, get insurance, rent a place to live, and even turned down in an attempt to cash a legitimate cashiers check. I have since been notified by XXXX XXXX that they, also inaccurately, incorrectly, and with intent, made use of misinformation in collusion with Early Warning Systems to identify me as " High Risk '', and a possible perpetrator of fraudulent activity. So to validate my claims and to clearly give full validation to the fact that Early Warning Systems, in conjunction with and under the direction of XXXX XXXX, violated my rights provided for under the Federal Consumer Prevention Act. I am stating as facts and providing inquiries of evidence through response, to assist the CFPB in your efforts to ascertain, and act upon, the CFPB 's subsequent investigation and conclusion. 
1. The account ( s ) by which Early Warning Systems, through XXXX XXXX 's direction relies upon to create their report on me and furnish to those making inquiries are, and have always been, the direct cause of identity theft and fraud against me through XXXX XXXX. A. I never, personally, nor through another, ever contacted, disputed, filed a claim, nor was aware in any way as to the aforementioned. B. Not only did I inform XXXX XXXX of the identity theft and fraud ; I also informed them that they had without my authorization, knowledge or permission taken legitimate payments from multiple creditors that by law must be returned. C. The negative account ( s ) from which the fraud occurred at XXXX XXXX occurred over a five day period, involving numerous transactions, and involved multiple accounts of different creditor 's. At no point did XXXX XXXX freeze my account. They also, never contacted me by phone, by text, by email, etc. 
I have filed and provided copies to Early Warning Systems, XXXX XXXX, etc. with a copy of a police report, FTC report, three CFPB reports and I have provided letters with documentation to the Federal Reserve and Attorney General. I not only welcome but have begged for a full investigation to which I now believe is to occur. Early Warning Systems is required by law and regulations must remove all negative items and cease furnishing all negative items immediately or supply documentation and evidence.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service a weather, nd unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically Cashapp failed to take time effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic transfer act ( EFTA ) and regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Due to the current COVID-19 situation, I am unemployed as of XX/XX/20. I contacted Rocket Mortgage/Quicken Loans who I have my mortgage loan with to ask what assistance they will be providing to their customers. They are offering nothing that will help someone like me get thru this difficult time. A one income household and loss of job due to coronavirus. Forbearance : They will defer your payment 3 months but at the end of the 3 months ( i.e. XX/XX/2020 ) you  would have to pay all 3 months in one lump sum. Not realistic and not helpful. Or, you can wait until that 3 months come and do a loan modification which will cost the customer money/ how much they can't say. So, there is no emergency assistance here. Someone please help!!! This is a national disaster and this company should be held accountable to assist it's customers without burdening them more then they already are. Thank you for any help you can provide.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
I

nquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 Balance : {$290000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00}.
Product: Checking or savings account

When Im trying to deposit money its an issue, when i try to send money its still problem. I just cant do nothing with XXXX at times
Product: Payday loan, title loan, or personal loan

DirectCash double charged by account which lead to addtional bank fees being applied to my checking account adding further financial burden the funds should not have been charge on the date in which it was I the representative failed to set the renew as requested so that I would receive a week of grace and instead to charges were applied and when calling to advise a supervisor agreed to correct but did not adjust funds to be for the bank fees. 
Furthermore, this company stated I only made 1 payment to them in XX/XX/XXXX and in fact my bank statement shows 9 payments taken and began to send me text to settle the amount for XXXX and I text to agree but it was withdrawn and then requested about XXXX to settle to which I declined as that was not the original agreement. I have contacted this company to obtain the collectors contact as Direct Cash reps stated they could not help me and I was given a number that only rings and does not even identify the company nor did Direct Cash have a name or good contact number for me to dispute the debt. The rep stated they would have the collection company contact me that was in XX/XX/XXXX and I finally received a call from the so called collection company XX/XX/XXXX that did not have any of my payment history or the correct amount so called due and the supervisor ( name unknown ) would not give me the contact address name or number to send a dispute and offered for me to pay about XXXX he state I cant dispute its in litigation not very honest or helpful just wanted money not to have facts
Product: Mortgage

Well, I just filed a complaint recently about Bank of America. Well we got a letter from XXXX XXXX My husband did call her she apologized etc. Well she said she needed more time to look into this she told my husband she would call him Wed,XX/XX/XXXX She said between 2 and 3 yes he carved out a time at work and waited for a call, guess what, no phone call We get a letter Friday XX/XX/XXXX " apologizing '' saying she needed more time. First of all a poor way to do business That is like I make an appointment and do n't show up and then send a letter or a email 2 days later. Poor customer service. Mean while my husband went to to the local bank of american and spoke to the manager and he agreed, he could n't get away with sending a letter saying he missed an appointment. Meanwhile she claimed in her notes she called, todayXX/XX/XXXX She did n't call and if she did no voice mail.She promises to call but does not. Bank of america seems to be known for lying. My husband had his phone on all day. Meanwhile we still got 2 different payments and nobody can answer our questions. One payment is XXXX and XXXX I can praise the bank manager XXXX nice guy, If we honestly do n't hear soon from bank of america mortgage, our next trip is to XXXX NC to the main bank. <P/>I will keep on complaining and complaining until someone answers our questions. We are tired of promises they do not keep. Poor customer service.
Product: Debt collection

XXXX XXXX XXXX XXXX and all CRA reporting account not mines and never done business with company
Product: Debt collection

Hi, I had XXXX XXXX in XXXX and moved to XXXX. The company contacted me and I refused to transfer the service to XXXXI requested to close my account, and nothing was pending. Then, a XXXX XXXX representative called me several times and finally I accepted a courtesy free-of-charged visit, I did not liketo visit and I refused service. 
Since then, despite several texts, e-mails, and calls, explaining all this, I have been harassedby XXXX and a collector called A.R.M.Solutions. 

I would highly appreciate a resolution and an explanation of what the XXXX government will do to protect me as an honest consumer. 

Kind regards, XXXX XXXX, XXXX.
Product: Debt collection

I received a collection letter from  CMRE Financial Services, INC.   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX .  XXXX , CA.  XXXX  dated  XXXX / XXXX / 2017  in the amount of {$180.00}. They state the original debt was owed to  XXXX   XXXX ,  XXXX .   This debt is not my responsibility and I am concerned based on the poor reputation of this company that they will report fraudulent information to the credit bureaus.
Product: Debt collection

Hunter Warfield is inaccurately reporting negatively on my credit file, and I have asked for this to be deleted and blocked. Regarding : Unauthorized Accounts Defamation, financial injury and FCRA Section 605 ( c ), Section 611 Part ( A ) ( 1 ) To whom it may concern, XXXX XXXX XXXX In representation of XXXX XXXX XXXX, claimant. This written communication is to inform XXXX, XXXX XXXX XXXX as well as Hunter Warfield has been reported as a victim of Defamation, financial injury, and FCRA Section 605 ( c ), Section 611 Part ( A ) ( 1 ). Secondly, This Notice is to inform you that the information/accounts that are contained herein, this communication is not an attempt to DISPUTE any part of these fraudulent accounts but a Legal and Lawful demand. Therefore, not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA ( FAIR CREDIT REPORTING .NO VALID CONTRACT WITH NAME HERE signature has been presented bust has be request in the previous affidavit. Take notice that I am now reserving all rights under my consumer credit profile with your company, and as a consumer under the Fair Credit Report Act. Your XXXX, XXXX XXXX XXXX do not have the legal authority to decline this demand to block information on the basis of a misrepresentation of fact by me the consumer, or any other reason under 905B ( c ). Promptly send notice if XXXX, XXXX XXXX XXXX declines to block information and provide proof of your claim supported by an affidavit that ALL COMPANIES LISTED misrepresented any fact contained herein within. Failure to comply with any requirement imposed under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute your organization 's willful/negligent non-compliance. Thus making your organization civilly liable pursuant to 15 U.S. Code 1681n and MD Code, Commercial law, 14-1213 for actual and punitive damages along with attorney fees whereas I do intend to sue your organization and file a complaint with a court of general jurisdiction in the state of Georgia for your non-compliance to federal and state law. Please govern your actions accordingly, and also send a corrected report in a timely manner. Parties are subject to fines and a minimum of {$1000.00} per fine under the FCRA ( Fair Credit Reporting Act ). Please remove all listed accounts and inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the following credit bureaus about fraudulent accounts that were placed on my credit report. The Bureaus are TRANSUNION, AND XXXX CREDIT BUREAUS, I sent them copies of a XXXX XXXX Police Report that I filed Reporting this fraud, along with a Federal Trade Commission Report the accounts were then taken off my credit report. Several weeks later the same accounts were reinserted back to my credit report. 
Since then I have been disputing these fraudulent accounts. The credit bureaus told me that the accounts were verified and certified by the creditor, witch is XXXX XXXX XXXX XXXX. I then disputed these account with the creditor, On XX/XX/2022 the creditor responded by sending me an email that stated they needed more information .... I furnished them the exact information that is currently reporting on my credit report that they furnished to the credit bureaus ... Now they are saying they need more information. I would like to know how they need more information, when the credit bureaus contacted me and stated the the creditor verified and certified this information. Some one is violating my right from the looks of the letter from the creditor they dont even have this information that the bureaus are reporting. I requested a copy of the documents use to certify and verify these accounts from the bureaus and the creditors, and both have failed to furnish me with a copy of these documents.
Product: Payday loan, title loan, or personal loan

The months of XXXX have been very rough. My XXXX payment feel behind. Upstart sent late fee and went to credit report which dropped me XXXX points when its not right as i explained my situation and they didnt want to hear it. I would love to have late fee removed from my report. I spoke to multiple customer service only one helped me apply for hardship said i would be approved was denied. 
I had XXXX  for 2 weeks. Still having issuesXXXX XXXX XXXX XXXX XXXX, had by check book stolen/fraud, and lost job. I feel behind on the loan payment. Explained my situation multiple times, applied for hardship ( was denied ). Customer service has been nothing but rude. I managed to take personal loan out. Set up autopayments so will never be late again.
Product: Credit reporting

quifax, XXXX, and XXXX are reporting XXXX XXXX account that was apart of Identity Fraud XX/XX/XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX paid out a Identity Theft claim for the XXXX account for Identity Theft. I have know knowledge of this account being reported. Requested the XXXX Credit Bureaus to provide physical documentation mailed to me, to support this account without any documentation sent to me. I have to confirm the Credit Bureaus physical documentation with the XXXX claim documentation.