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

I am writing to formally file a complaint against Freedom Mortgage XXXX for their failure to accurately process my XXXX mortgage payment. 

On XX/XX/XXXX, at XXXX PM, I made my monthly mortgage payment through Freedom Mortgage 's online portal. Despite making the payment before the end of the month, their system erroneously recorded it as being made on XX/XX/XXXX. 

I promptly contacted Freedom Mortgage 's customer service department on XX/XX/XXXX to address this issue. I spoke with multiple representatives, including XXXX, XXXX, XXXX, and was escalated to XXXX, XXXX all insisted that the payment was not made in the month of XXXX, but it was. 

Despite the clear evidence and multiple confirmations, Freedom Mortgage has refused to acknowledge that the payment was made on the correct date. They are now threatening to report a 30-day late payment on my credit report, which will have a significant negative impact on my credit score. 

Furthermore, Freedom Mortgage is also reporting rolling 60-day lates from XX/XX/XXXX, to XX/XX/XXXX. This inaccurate reporting is causing me extreme stress and frustration. 

I believe that Freedom Mortgage 's actions are a clear violation of consumer protection laws. I request that the CFPB investigate this matter and take appropriate action to hold Freedom Mortgage accountable for their misconduct. 

Thank you for your prompt attention to this urgent matter. 

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

My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

The once again reinsertion of the following accounts XXXX XXXX # XXXX, and XXXX/XXXX  # XXXX proves that Equifax did not prevent these accounts from reappearing on my credit report, nor did they verify these accounts with the original creditors as all these accounts have been either settled, paid in full or settled with a secondary debt buyer to whom the original debt was sold to. I have every reason to believe that Equifax used a secondary consumer data agency to verify these accounts months after they were deleted on XX/XX/2021, as they did not conduct a real investigation in regards to the Fair Credit Reporting Act and have subsequently committed the following FCRA violations : 611 ( a ) ( 5 ) ( B ) ( i ) Inability of CRA to furnish proof to the creditor or furnisher that previously deleted item is certified as being incomplete and inaccurate : or the allowing of the information to be reinserted without verifying its accuracy with the furnisher first 611 ( a ) ( 5 ) ( B ) ( ii ) Failure of CRA to provide consumer with certified tracked proof of consumer receiving notice of item reinsertion with 5 day period 611 ( a ) ( 5 ) ( C ). Failure of CRA to maintain reasonable procedures to prevent item reappearance in consumer 's file.

Equifaxs failure to hence remove these two accounts also constitutes to a violation of FCRA : 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable investigation into disputed accounts and delete item from consumers file in accordance with paragraph ( 5 ) 611 ( a ) ( 5 ) ( A ) ( i ) Failure to delete unverified information upon investigating items inaccuracy or failure to be verified 611 ( a ) ( 5 ) ( A ) ( ii ) Failure to notify furnisher of disputed information that the information has been deleted from consumers file 611 ( 6 ) ( B ) ( iii ) Failure to provide to consumer a description of the procedure used to determine the accuracy and completeness of the information furnished I am fully prepared to file suit against Equifax for the various FCRA violations listed above ; as I am now owed compensatory damages in regards to 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] I HAVE EXHAUSTED ALL OF MY RESOURCES AND ENERGY TO HAVE THIS ISSUE RESOLVED. Please see the attached documentation on this CFPB complaint.
Product: Credit reporting 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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit card or prepaid card

During the billing cycle of XX/XX/19 -XX/XX/19, the company reduced my credit limit from {$10000.00} to {$5200.00}, significantly impacting my credit score. I have never missed a payment and had a 100 % payment history from the time the account was opened. It has placed me in a difficult situation as it has negatively impacted my abilities to recover my credit score hindering me from obtaining new credit. It also forced my utilization to go from about 50 % to 100 % causing further damage to my credit score and crippling my purchasing power. I am not in derogatory and I have ensured the payments were made in a timely manner.
Product: Credit reporting or other personal consumer reports

The companies below have gone into my personal information, and they have created hard inquiries in my credit report without a good reason. 

XXXX. XXXX XXXX/ inquiry date : XX/XX/XXXX XXXX. XXXX XXXX SER / Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX / XXXX date : XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX date : XX/XX/XXXX Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXXXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I am trying to correct the inaccurate/incorrect and misused information on my profile that reports multiple times. This company is refusing to fix the issue and always claim my information was verified with no proof when I show them proof its wrong on profile.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. Not only is this a billing error, but these late payments are inaccurate and incomplete, which Is a direct violation of the Fair Credit Reporting act. I need these accounts updated to PAID AS AGREED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX debt with XXXX  XXXX  XXXX  account was paid and agreed to be deleted from credit reporting agency. 

Collection was never deleted only updated to XXXX balance
Product: Credit reporting or other personal consumer reports

My correct address is the following is : XXXX XXXX XXXX XXXX SC XXXX I have never resided at the following addresses, please delete them : XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is demanding once more in this CFPB complaint that the credit reporting agencies delete the challenged fraudulent accounts that are still included on my credit file. The Credit Reporting Agencies must delete any accounts and information that were the product of identity theft in accordance with Fair Credit Reporting Act Section 605b. I was once more a victim of identity theft, and this is another request to have the data that was obtained through identity theft removed from my credit file. You must delete any accounts in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) no later than four business days following XX/XX/XXXX. This report was also included in my prior letter, and I'm sharing it once more. Additionally, I am UNKNOWN by you and REMOVED from other bureaus, so I have my doubts about the accuracy of the information you provided on some accounts. The following accounts should be deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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. The Credit Bureaus continued to record the disputed accounts on my XXXX XXXX despite their failure to deliver me copies of their investigation 's proof of verification! The accounts should be deleted right away since the Credit Bureaus ' activity violated a consumer 's rights under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXXXX/XX/XXXX Dear ( XXXX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT.

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



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

I would like to have these fraudulent accounts removed from my credit report
Product: Debt collection

While reviewing my XXXX credit report, I noticed that a fraudulent collection was posted on my report by NORTHLAND GROUP INC . Thereafter, I personally contacted NORTLAND GROUP INC. and disputed the validity of this debt in its entirety based upon ID THEFT. During my contact with NORTHLAND GROUP INC . I requested that all collection on this account to cease and to delete this adverse information from my credit report until a complete and full investigation is conducted determining the validity of the DEBT as required under Fair Debt Collection Act. 
To this extent, NORTHLAND GROUP INC. recklessly disregarded my request and continued unlawful collection attempt in clear violation of the law ( FCRA ; FDCA & PRIVACY RIGHTS ), without just cause or any legitimate reason.
Product: Credit card or prepaid card

Comenity Bank XXXX fraudulently opened a credit card for me without my knowledge or consent. I called Comenity Bank XXXX to cancel the card. However, they asked me for personal information such as social security, address, phone, and date of birth before they would cancel, and I'm concerned about providing additional sensitive information to an unscrupulous and fraudulent company. I hung up and do not know what to do to close this card. 

Comenity Bank XXXX also conducted a " XXXX  inquiry '' on my credit report without my knowledge or consent. I've successfully removed the inquiry from my XXXX and XXXX credit reports. However, XXXX will not remove the hard inquiry from Comenity Bank, despite me filing a fraud report and requesting credit protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a dispute with this company several times regarding the same issue first being XX/XX/XXXX and again recently XX/XX/XXXX ( see included attachment for proof of dates ), I informed Experian of my FTC report filed both on my own as well as through the CFPB. I also verbal and physically have written disputes about the fraudulent accounts opened in my name. All this I have done thinking it would be taken care of and to no avail. According to 15 U.SXXXX Code Sec 1681c-2 ( a ) ( 4 ) BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT they must block this fraudulent information from reporting once I ( the consumer ) informed them that the information is not information relating to any transaction by me ( in this case the FTC reports I have filed as well as my written disputes to this company informing them of the theft ) by law this information I have identified as fraud is to be blocked no later than 4 business days after date they received my filings. This is very upsetting because its been over a year ago and I am still going through this pain staking issue rehashing old feelings of being defrauded. I am being hindered by this and need closure or seek other means of mitigation. I also have no bills so my proof of address is located on my license and will have to be sufficient.
Product: Credit card

This is a complaint against the CFPB. I filed a complaint with you over violations of the CARD Act of 2009 by Pentagon Federal Credit Union ( case no. XXXX ). Their entire response was only to claim they needed more time to " research '' the issue. A week later their " update '' was that they were still " researching '' : it. When I disputed that, your own response was simply to close my complaint. What kind of XXXX is this? Are you going to enforce the law or not? And if not, who do I need to contact in order to hold Penfed accountable? Or can they just get away indefinitely with violating federal law? You are a useless agency. Perhaps CFPB should be shut down. I think it is not unreasonable to expect some accountability from someone around here and so far I 'm not getting it. Is anyone there going to actually DO something about this or not? And do n't tell me to hire a lawyer. If I have to sue these people myself, then what exactly is your function?
Product: Debt collection

I have recently checked my credit reports and found a couple of accounts listed as collections accounts that I have no knowledge of. The listed company goes by the name of AFNI, INC. I've checked all of my files and records and was never able to find any bills connecting me with the listed company. I immediately disputed the accounts on XX/XX/20 but received a response that the account was updated with no change. I have reached out again requesting the company send me proof that I was indeed the one responsible for the bill that they claim I owe but still have yet to receive anything. This is affecting my credit in a negative way, and I plan on refinancing my home and as well as purchase a new car for my son who will be headed off to college after his senior year. Please help me get this issue resolved. Thanks
Product: Mortgage

This is a follow-up to complaint XXXX. I still have received no statement of my Selene account of any kind, or a monthly statement, or even a payment coupon. I began requesting these on XXXX XXXX, 2015. It appears I am still in foreclosure mode even though I signed their mortgage documents last XXXX. 
On XXXX XXXX, I did receive a notice of my next year of escrow, so they have my address. 
The notice informed me of an increase of {$120.00} in my mortgage payment beginning XXXX XXXX. Am I not entitled to more than a week of notice for such an increase in my monthly payment? 
It is quite clear now that Selene has a specific reason to not let me know the details of my account with them since XXXX sold it to them last XXXX.
Product: Checking or savings account

CapitalOne deducted {$2800.00} from my checking account via their BillPay service on XX/XX/2024 for my mortgage payment to XXXX XXXX. 

They claim for payment timing to XXXX XXXX " We'll try to pay this bill electronically. Most payments arrive in 1 to 2 business days but can take up to 7. '' In the past, the payments after being deducted from my checking account show on my XXXX XXXX account as paid within 24 hours. 

As of XX/XX/XXXX ( 13 days after the money was withdrawn from my checking account ) my mortgage with XXXX XXXX remains unpaid.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC XXXX ( a ) Time to make payments 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> I noticed some loans listed on my credit report that have been listed without my written consent. I have notified XXXX and they have denied taking these loans off of my report. According to 15 USC 1681, they should have removed these loans since they are inaccurate, disuputed by me, and have chosen to not respond in an appropriate manner. Additionally, XXXX states that I did not give them : Reason 1 : Your request is missing essential personal identifying information Reason 2 : Account specific information such as name of creditor, account numbers or other account details that would allow us to complete your request was not included Reason 3 : The description of the identity theft was too vague and/or did not include specific information related to the identity theft, including the dates the fraud occurred. 

All of this was attached and included in my original complaint as they will also be attached AGAIN to this complain.
Product: Money transfer, virtual currency, or money service

Im failing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service & unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent & address fraud on their platform, leaving my account vulnerable & unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) & regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

See thru XXXX XXXX that XXXX is showing a debt ( XXXX doesnt have this on their report ) from a company called XXXX XXXX XXXX for XXXX in the amount of {$640.00}. I have disputed this on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as a debt I dont know about. Never once have I received written notice or a phone call stating I have this debt Im trying to improve my score and its the only thing showing negatively on my report. Says this was opened in XX/XX/XXXX. Again I am not aware of this as I have not gotten any information on it.