23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started a home mortgage through Homebridge Financial Services XXXX XXXX XXXX XXXX GA XXXX. They are extremely difficult to make payments through their automated phone payment system unless I set up an automatic draft which I don not prefer. I prefer one time ACH drafts as I need to control the date of payment each month as I need to insure funds are available. 
Their system makes it so difficult I had to wait through extremely long and irrelevent bot messages just to get to the phone payment. Then each and every month it looks like I need to re enter my checking account info as their system will not save the info. Other mortgage agenceis can and will do that service. But that 's not the worst of the experience yet. They also require you to enter the payment amount in dollars and cents from your phone keypad even though they now what you need to pay. I had so much trouble with this ( on my second time ever doing it ) that I ended up entering a payment of only {$12.00} when I really owed around {$1100.00} I didnt even get to figure out how Im supposed to do the decimal point on my phone keypad by the time I realized I started a whole other issue now with an XXXX payment. So then I hung up had to do it all over again and waited 20 mins before I could talk to a rep whose best case scenario was to delete my {$12.00} payment and was told I had to wait till tomorrow as the system will only allow XXXX pending transaction at a time. This is a terrible system I feel is designed to create difficulty in order to ensnare the consumer in fees and interest traps. Their phone number is XXXX try it you 'll see its not right. I would also like to add that I started this loan with Homebridge ( and I wont even get into that ) but after my first payment they switched me to XXXX ( who in comparison was exemplary ) They saved my info after the first time and I would call and be done with the process in 5 or so minutes doing one time ACH drafts from my checking account ( also due to less irrelevant bot messages ). Then for some reason I dont know they switched us back from XXXX to Homebridge just a couple months ago. Thanks for taking the time to read my experience with Homebridge Financial Services and I hope it helps them make changes to their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

To The official of Consumer financial protection Bureau From XXXX XXXX XXXX XXXX DOB-XXXX XX/XX/1992 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint on my consumer CITI BANK Hello Sir/Madam I was facing credit reporting issue with my bank from the month of XX/XX/XXXX. They are not updating my credit info to the credit bureaus in any of the 3 bureaus. 
( In the month of XX/XX/XXXX, I have 2 fraud transactions in my citi credit card ending with XXXX which I was using from 3 years. So, I requested the CITI BANK to replace my card for security reasons. So they replaced my card ending with. After replacing the card, my credit score was not updating so I raised a dispute with XXXX to update my credit score .So, they requested the Citi bank about my dispute. So, they removed my CITI account from all the credit bureaus which have 3 years of credit history. After removing my old account, they dint update my new card details with 3 years of credit history till now i.e XX/XX/XXXX to XX/XX/XXXX. This action ruined my whole credit history showing that there was no credit history on my name resulting in declining for my car loan, bike loan, house lease. Major issue was as whenever I apply for something connected to my credit score, all are rejected due to this act. 
I spoke to bank authorities in the last 5 months but no result on my account. I even raised disputes in credit dispute department. I got reply mails saying the my info was updated please give 30 days to reflect on my account. But it was never updated till today .I Hope you will understand my situation of staying in USA without credit score even though if you are maintaining credit score from 3 years. I cant even buy a CAR due to this action taken by CITI. 
I ATTACTHED ALL MY DOCS AS A PROOF OF MY ISSUE BEING ADDRESSED TO THE CITI BANK FOR ALMOST 10 TIMES.I ATTACHED COMPLAINT LETTERS TO PRESIDENT OFFICE, DISPUTE LETTERS, REPLY MAILS, MY CREDIT REPORT SHOWING MY ACCOUNTS. 
Please help me in this to get my score updates with compensation on behalf my 5 months loss. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters has placed a collection account from an original creditor XXXX XXXX. I have no knowledge of any accounts with XXXX XXXX. I have disputed this several times. After reviewing one of  my credit reports the speedy cash account was opened XX/XX/XXXX with a balance of XXXX. National Credit Adjusters has posted this account as a new collection that was opened in XX/XX/XXXX. It is illegal for National credit adjusters to place an account that they can not prove is mine and re-age the account to reflect as a new collection. National Credit adjusters are using illegal and unfair collection practices.
Product: Credit reporting or other personal consumer reports

I opened two credit cards with XXXX XXXXXXXX XXXX in XXXX to reestablish my credit so that I can obtain things that I want and need, everything with them was great in the beginning and they were helpful a few times throughout my journey with them and I am thankful for that. However, I have gotten terminated from multiple employers along with losing my vehicle, my home, close people in my life, being cut off and disowned by people in my life due to personal reason in addition to my financial burdens. I have been on the streets, shelters, squatting in vacant properties, washing up in public places and denied unemployment benefits. I have not been able to get steady employment other than under the table which barely makes ends meet, I have explained everything to them, but they are empathic to a point. I try to condone myself professionally, however as a consumer I should have a right to speak out about how I feel about things and my feelings. I have worked since I was XXXX, despite the abuse I received from the age of XXXX and has been ongoing. I have going through emotional and financial stress ( as well as duress due to the current and past issues ). Additionally, they closed one of my credit cards due to return payments in which I have explained that I have gotten terminated from my employment with no financial support, no financial resources, loss of my residence, loss of my vehicle and having slept in various places. I have tried to find employment ; however, I have not been successful and the negativity this account has had on my credit reports have prevented me from having employment, a vehicle and a place to live. I have reached out to several members of management and corporate WHO FAIL TO COMPLY WITH MY REQUEST AS I NEVER ASK FOR ANYTHING BUT I AM HOMELESS WITH NO HOME, NO CAR, NO JOB, NO RESOURCES, NO FAMILY OR FRIENDS!!! THIS IS THE FINAL STRAW AND I AM SICK OF THIS BEING UNRESOLVED. ADDITIONALLY, THEY NEVER NEVER VERIFIED ANY LATE PAYMENTS, ETC!!!!
Product: Credit reporting or other personal consumer reports

Re : Reinsertion Of previously deleted Inaccurate/invalidated items Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the r
einsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 
Name of Account : Account Number : XXXX XXXX  XXXX Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, And XXXX have not honored my request to put a fraud alert on my account. As i curranty fall victim to there negligence Cyber criminals have stolen my identity and got Bank account, credit cards, Loans. Hacked all my Email addresses and changed security questions And I have not obtained any Support to Solve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which are the result of fraudulent item origination and identity theft. These fraudulent items 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 BLOCKED. 

XXXX OF XXXX XXXX & XXXX XXXX XXXX
Product: Credit card

I booked a round-trip ticket for a relative through American Express for an XXXX XXXX XXXX XXXX and while one segment of the trip has been used, I am now attempting to cancel the unused portion. At the time of booking, I was informed of cancellation and change fees but was not notified that the ticket was non-refundable. American Express now refuses to provide any refund, citing a non-refundable policy. Additionally, I requested to change the return flight to a future date ( XX/XX/year> ), but the change fee quoted was over {$1000.00}, which exceeds the cost of purchasing a new ticket for the same flight and date ( {$900.00} ). This pricing system is unfair, as it disregards the residual value of the unused portion of the original ticket. I believe I was misled at the time of purchase and am being subjected to unreasonable fees. I request that the CFPB intervene to ensure fair treatment, either by facilitating a partial refund for the unused ticket portion or enforcing a fair pricing policy for the requested change.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and XXXX  Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Dept of Ed XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  Bankruptcy # XXXX XXXX XXXX Account # with held for 3 accounts totaling {$84000.00} 15 USC 1681 section 602 A states I have a right to privacy .

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 reporting or other personal consumer reports

I am rewriting to formally dispute inaccuracies on my credit report to SHELLPOINT MORTGAGE that I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My current address is XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX. The FTC report numbers related to this complaint are XXXX, XXXX, XXXX, and XXXX. Upon reviewing my credit report, I have identified several entries that appear to be duplicative or otherwise incorrect. These entries have no supporting evidence of authorization or approval from me. I believe these entries may be fraudulent and do not reflect any transactions, accounts, or activities that I initiated. Under the FCRA ( 15 U.S.C. 1681 ) and FACTA Title 1, Section 151, I am entitled to dispute inaccuracies and request that any unverified or incorrect information be removed. I request that you investigate these entries. If they can not be properly verified, they must be removed from my credit file as required by federal and state law. I expect a prompt REINVESTIGATION and resolution of this issue. Should the incorrect entries remain unresolved, I will pursue further legal action to protect my rights under the FCRA and FACTA.
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 U.S.C. 1681. 

XXXX & XXXX : XXXX # XXXX, Dept of ED/XXXX  : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : XXXX # XXXX, XXXX XXXX : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have 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. 1681 C. ( 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 ante dates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer, to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, Paypal made unauthorized transaction causing a negative balance of {$130.00}. XXXX XXXX XXXX XXXX, XXXX, XXXX , VA XXXX ; has filed a false claim with XXXX XXXX once XXXX XXXX XXXX his false claim, an unauthorized user deducted money out of my account. 

Paypal has held funds from every transaction illegally under the electronic funds act.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX I last used this Experian Account to access a copy of my credit report, and I was able to access my account to view the report. 

On XX/XX/XXXX I logged onto the same account from XXXX. This time, I was unable to access my account and I received an error message directing me to call Experian and so I did. I was never able to get ahold of anyone. This number XXXX is only an automated service and it only directed me back to the website and/ or hung up. The error message only provided the referenced phone number, hours of operation and a message of " We encountered an internal system error. Please note your order has been cancelled. '' I have tried to reset my password, make a new account, called the number referenced several times over weeks. I began researching and called their sales department with the intention of being transferred to a department that could help me. 

On XX/XX/XXXX, by calling the business sales department, I reached a live person who transferred me to " membership services '' to which this entire department could not help me. Membership services told me that there was nothing they could do. I asked them, what CAN you help me with? and the response was 'do n't ask my job ''. He said there was no one he could transfer me to. 

The only direction, I was told to " wait 72 hours '' for the error message to go away. And call back if I needed help. I told him, I have been trying for 2 weeks. He then said he could make an " escalation '' ticket. Although that was not going to transfer me to anyone. I then asked to be transferred to someone else in the department and I was placed on hold and the line was never picked up.
Product: Debt collection

On  XXXX   XXXX ,   XXXX  , I pulled my credit report and notice a medical collection from   XXXX   XXXX   XXXX   XXXX   that does not belong to me. I attempted to contact and dispute this with  XXXX  acknowledging the debt not being mine, yet they sent an itemized invoice under their letterhead. I, then, disputed this account again with the company on a later date notifying them the account is not mine, and the information provided is a violation to  HIPPA la ws for sharing someone 's medical information. I have no dealings with this company, nor have I signed any contract with them. If what they provided were mine, they are in violation of  HIPPA by  obtaining/purchasing medical information as a third party from a medical facility. Continuing to report false information about me is slander and I have no problem and will seek legal actions and punitive damages for the hardship this allege debt is causing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I was able to contact TransUnion by phone ive noticed unauthorized Inquiries on my report OR someone applied for something in my name.AND Fair Credit Reporting Act ( FRCA ) requieres a unverified and unauthorized tems must be remover from my credit report.They told me that i needed to make a complaint with the CFPB and a letter from me and send it to them.
Product: Credit reporting or other personal consumer reports

Mortgage Origination : o I purchased my home in the summer of 2023, with XXXX XXXX XXXX as the original servicer. My first payment, as per XXXX XXXX XXXX documents I received, was due on XX/XX/year>. I made two payments in XXXX to cover both XXXX and XX/XX/year> payments. These payments, totaling {$2900.00} ( {$1400.00} each ), were sent via automatic withdrawal from my checking account to ensure timely payment despite my frequent work-related travel. 

Servicing Transfer : o In late 2023, I was notified that my loan had been sold to Freedom Mortgage. However, I was unaware of this transfer until I returned home from travel and received the notification letter. By that time, the two payments for XXXX and XXXX had already been sent to XXXX XXXX XXXX. My XXXX payment was then sent to Freedom Mortgage. 

Actions Taken : o I promptly contacted both XXXX XXXX XXXX and Freedom Mortgage within the 60-day servicing transfer grace period, as outlined under the Real Estate Settlement Procedures Act ( RESPA ). I was assured by both parties that the payments sent to XXXX XXXX XXXX would be transferred to Freedom Mortgage and that no penalties or late marks would affect my account. 
Current Issue : o Despite my timely payments, Freedom Mortgage incorrectly reported that I was behind on two payments to the credit bureaus. 
o XXXX XXXX XXXX returned one payment to me through XXXX XXXX  after many phone calls and after another round of phone calls, with both my bank and XXXX XXXX XXXX, I eventually received the second payment back into my account. 
o Freedom Mortgage applied subsequent payments I had made to them to earlier months, assessed late fees, and reported missed payments to the credit bureaus, despite my compliance with payment requirement and sending XXXX XXXX XXXX payments to Freedom once they had been refunded to me. 

Demand for Immediate Resolution o This issue is a direct result of the servicing transfer and the mishandling of payments between XXXX XXXX XXXX and Freedom Mortgagenot any failure on my part to make payments. Under RESPAs protections : Borrowers can not be penalized or reported as delinquent to credit bureaus for payments made to the previous servicer within 60 days of a servicing transfer. 
I contacted both parties and made every effort to resolve this within the 60-day window, and my payment history reflects that I have never missed a monthly payment. 

Conclusion This situation has caused unnecessary financial and emotional strain. My timely payments and proactive efforts to address this matter demonstrate my commitment to fulfilling my obligations. I expect Freedom Mortgage to take immediate action to correct this issue, restore my credit, and ensure this does not happen to other borrowers in the future.
Product: Debt collection

Husband had a roof put on called company they did not want to talk to me sent all death certificate to them they sends my name to threaten my house in foreclosure for XXXX my house worth XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that 3 credit reporting agenciesstill indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have notresponded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must completetheir investigation within 30 days. Please check payment history, date open, last activity and Status ofthe following accounts which i believe were reporting in error. 
XXXX XXXX Balance : {$7400.00}
Product: Debt collection

XXXX they started calling a number that was not my primary number. Then they started calling my references before they tried calling me. They also use a different number every time they call me. XXXX, XXXX, XXXX. This is just XXXX of them. They are getting more aggressive each time they call. They have called XXXX times today alone. I get paid XXXX a month they know this. I ca n't pay until next month. There is nothing else I can do.