23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am filing a complaint against Experian because I am unable to remove the Security Freeze, from my credit report, I have try in the pass years on Experian website with my personal identification number to remove the Security Freeze, and attempted to pay the fee with my debit card and system was unable to process my request. I was told by the website system to provided document to prove my identity and I may send the requested documents by mail or upload to the link that was provided. I have upload the required document ( s ) to assist Experian to resolve my problem, and the system still denying me. I call the corporate office at Experian at the XXXX XXXX XXXX XXXX and I was told that some consumers experience the same error when uploading document, and some the document are received despite the error. I was then transfer to another representative who can check and see if the documents was received. When I was transferred to XXXX in consumer services, I explain what was going on, I then asked to speak to a supervisor because he was not helpful, I kept asking him are you denying me to speak to a supervisor, he kept repeating " can I ask you why you need to speak to a supervisor '', I became frustrated and hung up the phone. I call back and I was transfer to a supervisor where I was on hold for 45 minute and I hung up. I have attached copies of documents that was uploaded to Experian website along with a letter to Experian. 


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

I noticed updated on my credit report that a bogus collection account has been added to my file. The account is listed as XXXX XXXX XXXX XXXX and it is not my account.
Product: Credit reporting

I paid the debt over a year ago from XXXX XXXX XXXX. They closed my account, however Trans Union has yet to report the account closed.
Product: Mortgage

I wanted to take advantage of the new lower mortgage rates. I contacted my existing mortgage company, Freedom Mortgage, thinking it would be a more straightforward process since they knew of my payment history, etc. This process started on or about XX/XX/2020. A Loan Advisor gave me a mutually agreed rate/term, and I moved forward with the new loan. 

Numerous calls, many representatives at all levels of ranking in the Freedom Mortgage Corp., 139 emails later, a prior complaint with the CFPB, and I am still fighting the same fight. Mortgage Freedom agreed on many occasions, verbally, in emails, and on legal documents that I signed that they were NOT going to escrow any flood insurance, homeowners insurance, and any other type of account. Plus, there must be many recorded conversations about this as well, since it is their protocol. 

Nevertheless, when I received my first mortgage statement on XX/XX/2020 ( due XX/XX/2020 ) with the new loan account, they included an escrow amount and required it as part of my monthly payment. I will NOT pay any escrow, no need, I DID NOT AGEED TO, and now Mortgage Freedom is holding me accountable for it? This is wrong, shameful, fraud, misinformation, deception, bait and switch, and a scam. I am determined to expose this bad practice to every authority that governs this process and this institution. 

Now, I have been an ideal customer. Never a late payment, never a missed payment. And at this point, it is beyond shameful the ordeal Freedom Mortgage has put me through. The hours I have spent, and my time is valuable is inexcusable. I urge you to stop this immediately. Freedom Mortgage must be held accountable for their malpractice and egregious customer service.
Product: Credit card

I had a call from someone who said i am calling you from Bank Of America and he gave me my Bank Of America credit card number and he mentioned that some person by name XXXX XXXX in XXXX Florida tried to get credit card under your name and physical address was for you but mailing address was in Florida and.. '' However the person who contacted me had my real Name, Address, Birth Date and Social Security number. then he told me he is going to connect me to CFPB and he did and some one else pretended that he is talking to me from CFPB, that person who pretended he is from CFPB had my mortgage information my D.O.B and..Etc. 
at the same time I check CFPB website then I ask person who told me he is from CFPB what is your number, the number he gave me did not match with official phone number from CFPB. I hung up right away and create account with CFPB to let them know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit at XXXX suddenly low for the use of a card for {$150.00} when its limit is {$1000.00}, 22 points of my credit went down, this affects me now that I want to get my house, Transunion and XXXX  did this by mistake there was no excessive use of credit.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX  Balance Owed : {$44000.00}.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Good day, I received fruadalent charges from XXXX in XX/XX/XXXX I have been disputing the card charges with the company. they continue to add late fees and remove fees but the core of the issue doesnt gets resolved which is the actual charge of {$59.00} They have destroyed my credt scor by XXXX points, I have closed the account I continue to reach out to both Wayfair and CIti but the are not responding to the correction even when I received notification that the card company has completed the investigation and have come to the conclusion that the charges are fraud as of XX/XX/XXXX i have attacched the letter in this complant, but as of today the charges are still remaining on the account requesting paymenr. I like this matter removed from my credit and score.
Product: Credit reporting or other personal consumer reports

This person know my socail everything about me she put XXXX XXXXl XXXX using my socail My birth certificate my name to put on my credit because i didnt live here in XXXX  back in XXXX  she also is stalking me and harassing my XXXX and i like my life is at risk. Because of this personal because she wants to get married to my XXXX this lady is already married with her husband with her own age. My husband is my age and she wants him so she doing all these false Allegations and deformations on the internet and throught his family she has all my information please help me. I know where she lives she is doing this because she like younger guys but she is around XXXX or XXXX i & my husband dont want this old lady near us but she still coming around doing false stuff under my name i didnt give her permission to do these things towards me please help thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few months, I've been having a lot of fraudulent activity going on with my credit reports for all three credit bureaus. I would have numerous amounts of inquires pop up on my account that I never gave authorization for. This activity started from XX/XX/XXXX up until XX/XX/XXXX. I've called all of these companies numerous amounts of times to investigate and get them to remove the accounts, but they tell me to dispute it with my credit bureaus. I've also gone back and forth with all XXXX credit XXXX, sending multiple letters and got no where.
Product: Student loan

I applied for an income-driven repayment plan, specifically the XXXX plan, a few days ago. Today I get an email saying I have to provide proof of income from the last 7 years. I was in school until XXXX working part time, and only had stable income from XXXX onwards. 

I read the documentation for the XXXX application and don't see any requirement for past income, only current. Are they allowed to ask for 7 years of prior income? It seems meant to make the process difficult on purpose so they can charge a higher amount per month.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian regarding their failure to resolve disputes and properly address unverifiable or inaccurate information on my credit report. Despite following the proper dispute process, Experian has allowed certain creditor accounts to remain on my credit report without timely verification or removal, as required by the Fair Credit Reporting Act ( FCRA ).

Specifically : 1. I have disputed several accounts, requesting verification of their accuracy and validity.

2. The creditor companies associated with these accounts have failed to comply with their own policies and the legal requirements to provide verification in a timely manner.

3. Experian has not taken appropriate action to remove these unverified accounts from my credit report despite clear evidence of non-compliance by the creditors.

These unresolved issues have caused harm to my creditworthiness and financial standing. I provided Experian with all the necessary details and supporting documentation, including certified dispute letters and proof of delivery, but I have not received adequate resolution. 


ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I sent in a cashier 's check to Nationstar for my regular monthly payment in the amount of {$1300.00} ; Evidently that check was sent to the corporate address instead of their overnight address. I was informed of that and due to the fact that I did not want to be late on my mortgage payment, when the representative that I spoke to on XX/XX/XXXX ( Name XXXX ; Ext : XXXX ) suggested that I send in another payment I did so on the same day. XXXX also mentioned that there 's a possibility that the check might get returned back to me or that it would just be sent to the correct department for processing, She said that whichever payment is processed first will be applied for XX/XX/XXXX, the other will be applied for XX/XX/XXXX. The second check I sent in XX/XX/XXXX was in the amount of {$1300.00}. The check was sent on XX/XX/XXXX and received on XX/XX/XXXX, It was cashed on XX/XX/XXXX and was posted to the account for the XX/XX/XXXX payment. The first initial check which was sent on XX/XX/XXXX, received on XX/XX/XXXX and cashed on XX/XX/XXXX ( which we later found out when Nationstar asked for proof from our bank ) was never posted to the account. We have contacted Nationstar about this matter about 24 times through email and phone since XX/XX/XXXX, might be more, I lost count after my 20th call ; They have yet to take this matter seriously. I have gone through at least 8 research request that was submitted for them to look into it and apply my missing payment, but none of these requests worked. Every single time I submitted one, I would get just a little bit of hope but to no avail. I have faxed them all of the documents that they have ever asked for on every occasion that a new research request would be submitted and I have also emailed them those documents. I believe that the employees are not taking their time to do their job correctly. They mentioned that everything is correct on the account and that the missing payment was applied toward the mortgage. I have looked at the statements and that first check that Nationstar cashed is nowhere to be found on there. And its also funny that one of their representative told me that I should be happy that I 'm not behind on my payments and to just be happy and let it go and continue to make my payments. I just want Nationstar to post the payment as it should be, and if they refuse to do that, they will have to give me my money back. Just in case Nationstar try to say that one of the payments that are posted on that statement is the payment that I 'm disputing. I need to add that I made 2 payments XX/XX/XXXX in the same amount of the check that I 'm disputing. The account was current at the time that I sent in that payment that I 'm disputing, therefor there is no if and or buts it should be posted.
Product: Credit card

My complaint involves Brightway credit card  ( OneMain Financial ). On XX/XX/year>, XXXX XXXX processed a balance transfer payment in the amount of {$1600.00} to my Brightway credit card ( with an additional transfer fee of {$81.00} ). Since then I have been monitoring my Brightway account for the payment to post and when I noticed today ( XX/XX/year> ) that it still had not posted I called Brightway customer service to inquire about the delay. I was told they would not honor the transfer and was told that instead they would provide me with an APR reduction. I was told that I could make a payment on my own for the same amount but was told they would not allow the balance to be transferred to another card. I advised the agent I wanted to file a formal complaint because I confirmed earlier today with XXXX XXXX that the payment was in fact issued on XX/XX/year> but Brightway has not returned the money. The Brightway agent took my statement and stated that he would file a formal complaint on my behalf. I called back 30 minutes later to inquire about the next steps and was told that all I could do was call back sometime next week. I then called a XXXX agent and was told she would put in a request for a balance transfer recovery but she said she had never heard of a credit card company refusing a payment for a balance transfer. She said she was not sure that they would be able to assist me in recovering the missing XXXX payment. She said she would also request that the {$81.00} balance transfer fee be waived but could not make any promises.
Product: Credit reporting or other personal consumer reports

Westlake Financial debuted a new program financing classic automobiles through dealerships that they would finance a vehicle dating back to XXXX. I financed two vehicles through a local dealership. The first vehicle was purchased and financed in XX/XX/XXXX, loan XXXX, XXXX XXXX XXXX. The second loan, XXXX, was purchased in XX/XX/XXXX. It was a XXXX XXXX. I made payments until I received a call from the dealer ( and did a conference call with the Westlake rep ) that the loans would have to be paid because Westlake would be unable to get a lien for these vehicles because New York State does not issue titles for vehicles built prior to XXXX. Westlake had not done their due diligence because they were unaware of New York State law/guidlines as repect to titles. Subsequently, they changed their Classic Car policy to accept only vehicles newer than a XXXX XXXX was paid first with a check from the dealer on my behalf XX/XX/XXXX ( copy enclosed ). The other loan was paid in full with a check dated XX/XX/XXXX. This normal payoff was received by Westlake via XXXX on XX/XX/XXXX but not posted until XXXX copy of the XXXX details is attached. 
The first paid loan ( XXXX ) was reported to the credit bureaus as Paid in full as agreed. Although the second loan was paid in full in XXXX the credit report still showed a open loan in XXXX and XXXX. On XX/XX/XXXX I applied for another loan through Westlake and was declined due to a repo or chargeoff. After being on hold for 45 minutes, I was informed that it was an internal error and would be internal only and not reflect on the credit reports. I immediately contacted the dealer who contacted Westlake many times. Many people involved all state that it is an internal error and needs to be corrected but no one can correct it because NO ONE has access to change the computer. As a result, my credit report currently shows two chargeoffs which NEVER existed and this whole issue is a direct result of negligence on the part of Westlake for failing to due their due diligence. I know the email chain involved higher management and as a result they did issue me an approval ( based on an exception ) with a ridiculous fee and rate which was based on credit based on 2 chargeoffs ( which are theirs and are inaccurate ). Many calls to customer service result in saying that someone will get back to me ( and no one ever does ) and that it is above their grade to be able to assist. I know the dealer, who has been fully transparent, has been working on this non stop also to no avail. 
One more thing. The first loan that was paid, the XXXX, XXXX, which had been reported paid as agreed was changed to a chargeoff with the XXXX reporting. This was a willful vengeance act.
Product: Credit card or prepaid card

I have a Barclays Credit Card USA Barclays,. XXXX XXXX XXXX XXXX, DE XXXX. 

I have had the card for 9 years and use if for every purchase I make. I have always been successful at redeeming my miles to use for airline travel. I am a customer in good standing and have excellent credit status. 

On XX/XX/2022, I purchased an airline ticket from XXXX in the amount of {$1100.00} with my Barclays Credit card. I had XXXX miles. Barclays awards {$100.00} per XXXX miles as a Travel Statement Credit. 

On XX/XX/XXXX I submitted my miles for redemption. A week later I noticed that my reward miles amount had not changed. 

On XX/XX/XXXX I called to inquire why my rewards had not been redeemed. I was told by the customer service agent that he would adjust my miles accordingly and I would be awarded {$1100.00} as a travel statement credit within that statement cycle. I was not. I called to complain. The customer service agents did not apply my statement credit again. 

On XX/XX/XXXX, I tried to redeem my miles again. I got a " congratulations '' confirming that my miles had been redeemed. See attached. However, the amount of my miles did not change. Again I was not awarded my travel statement credit in the amount of {$1100.00}. 

On XX/XX/XXXX I called to ask why Barclays was not giving me my Travel statement credit. I was told it would need to be investigated by the rewards department why. 

On XX/XX/XXXX after numerous calls I was finally awarded a case ID number XXXX. I was told it would take 7 - 10 days or even 30 days for investigation. It has been 30 days and I have seen no correspondence from Barclays as to why they are refusing to give me my Travel Statement Credit. 

As of today, XX/XX/XXXX, it is listed on my Barclays account I have 28 days left to redeem my miles against the XXXX purchase. After that the chance to redeem expires. 

Are Barclays ever going to honor their agreement and give me my Miles? 

This has been a cause of great frustration and stress. I am not sure why this needed to be investigated. I should be able to call customer service, they see I have above and beyond the miles needed. This has taken up so much of my valuable time to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs CFPB, I appreciate your support on the recent Credit Score Report # XXXX issued by Experian on XX/XX/2021 requested by XXXX  XXXX XXXX on XX/XX/2021 as result of an application for credit made by myself to this Bank. 

The request was NOT APPROVED since as per Experian Report # XXXX states " SERIOUS DELINQUENCY '' related to a CREDIT CARD account # XXXX, which showed a due payment of 30, 60 and 90 days. I contacted XXXX  XXXX XXXX XXXX XXXX  and they were not able to confirm this information because this was not available in its system. 

I set a dispute to Experian for the Credit Report based on that XXXX  XXXX XXXX was unable to confirm this information to me and Experian send a Dispute Result Report # XXXX Investigation ID # XXXX dated in XX/XX/2021 stating as " REMAINS '' the potential negative item withthe following comment : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' My concern is that XXXX  XXXX XXXX was able to confirm the information to XXXX but it was not to me. 

I highly appreciate your support since this situation it is hurting my access to better credit Conditions
Product: Credit reporting

I applied for a refinance and XXXX XXXX said I needed to have an item cleared up on my report. The item was a credit card with XXXX XXXX with a XXXX '' designation, meaning designated user. The report showed it was included in an XX/XX/XXXX bankruptcy and the info was verified on XX/XX/XXXX. I looked at a copy of my bankruptcy filing of XX/XX/XXXX and it showed XXXX XXXX 'multiple accts ' but none of them were as 'designated user '. That account belonged to XXXX XXXX and I was a designated user XXXX for a car rental, then removed. I contacted the Cr Bureaus XX/XX/XXXX and requested this info be removed from my credit report. I received a response stating they had verified it. I then requested they have XXXX XXXX provide the complete info for the XXXX '' card including who designated me as a user. I never heard back and the info remains on my account.
Product: Credit card or prepaid card

I was quite surprised on XX/XX/2023 in paying my first PNC Core account statement ending in XXXX online through PNC 's portal, it advised my payment may not be processed for up to three days. The due date was the same day, XX/XX/2023. 

I can transfer funds through any one of my six PNC accounts with the transfer happening instantly. Why not here? I had no notification of such a delay with an internal PNC credit card payment. 

My first payment was due XX/XX/XXXX. I made that payment before XXXXXXXX XXXX on XX/XX/XXXX. Per the slow posting time stated on XX/XX/XXXX at XXXXXXXX XXXX EST I made a call to customer service at XXXX and PER MY REQUEST I WAS ASSURED NO LATE FEES OR LATE CHARGES WOULD BE APPLIED. 

Per a USPS letter from me to PNC on XX/XX/XXXX, I required that the {$27.00} late fee and {$1.00} minimum interest charge be reversed. 

Per PNC 's USPS letter to me on XX/XX/XXXX, PNC indicated the payment was not received on the due date and the late fee and finance charge were correctly assessed to my account. 

I completely object to this conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX XXXX : {$390.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$48000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving collections from RPM llc, and they are stating that I owe them XXXX. I believe this account is inaccurate and erroneous and is negatively affecting my credit report. I do not have any information regarding this account.