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

XX/XX/year> - I sent notarized letters to XXXX about a collection that was placed on my credit report. I sent them a police report showing that my social security card, several credit cards and my drivers license were stolen from my home. These items were used to open several loan accounts in my name, my XXXX card was used to make purchases that I did not approve of. 
XX/XX/year> - The company replied via mail saying that they could not remove the debt from my credit report- though I am a victim of theft and identity theft. I requested that they send me copies of all purchases made with the card along with signatures as well. I have yet to get a response from them.
Product: Credit card or prepaid card

A balance transfer in XXXX of 2020 for {$5100.00} was initiated and Citi sent the check to the proper address but the name of the bank was wrong. That check was cashed at XXXX  XXXX XXXX. Since the bank name was wrong it never paid off the balance it was supposed to. 
I contacted Citi about the mistake and Citi sent another check for {$5100.00} to the same address but this time with the proper bank name and this time our balance was paid off. 
Now Citi wants to charge me {$10000.00} for one {$5100.00} transfer!!!!!!!!!!!! 
They tell me to find the missing check!!!!!!!! 
They tell me to call XXXX  XXXX XXXX and find it!!!! 
It says pay to the order of XXXX XXXX XXXX on the back of the check!! 
XXXX  XXXX XXXX will ; not talk to me because I do not have an account there!!!!!! 
Citi knows where the check is!!! 
They admitted it!!! 
Citi tells me they will call me back but they don't!!!!!! 

I am tired of being lied to, shuffled around and ignored!!!!!!!!!!!!!!!!!!!!!!!! 

FIX THIS!!!!!!!!!!!!!!!!!!!
Product: Mortgage

On XX/XX/XXXX I contacted Roundpoint Mortgage to inquire about payment options for XXXX payment. I was offered a repayment plan agreement. The representative gathered info to see if I qualified. I was informed that I qualified for the program. I asked the representative on XXXX occasions if I would report a late payment on my credit. The representative responded by saying " It will report as a repayment plan ''. The second time asked the response was the same. I also made a partial payment of {$500.00} with the representative for XXXX 's payment on the same day. On XXXX I received an alert from XXXX that a XXXX late was reported by Roundpoint. I called Roundpoint to see why it was reported as late. The representative informed me of the terms of the repayment plan and how it would impact my credit. I explained to the representative that I was not given this info when I was placed on the plan. The representative apologized that it was not explained and asked if I would like to dispute the 30-day late, which I did. I also made the remaining payment that day and requested to be removed from the program. I received the dispute resolution on XXXX denying the removal of the late payment. I called XXXX on XXXX to discuss the results. In the letter is stated that the results were based on the letter that was mailed on XXXX that outlined to terms of the agreement and the phone conversation. I didn't receive the letter until XXXX. By then the XXXX late had been reported. They never provided proof that the representative explained the terms of the agreement during the phone conversation. If the terms were fully disclosed on XX/XX/XXXX I would have never agreed to the program and would have made the full payment vs. the partial payment on XX/XX/XXXX. I spoke to XXXX representatives on XXXX. The last person was supposedly a manager. She informed me that the credit department doesn't speak to customers and that the decision remain the same no matter how many times I requested an escalation or dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
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
Product: Checking or savings account

OnXX/XX/XXXX an overdraft item fee of {$35.00} was processed stemming from a pending XXXX transaction in the amount of {$6.00} made on XXXX XXXX. In that same week on XX/XX/XXXX an XXXX XXXX XXXX withdrawal in the amount of {$10.00} was processed causing a second overdraft item fee of {$35.00} I called the customer service to see what resolution could be offered in the event the account had insufficient for the bank to refuse payment and reversal of the overdraft fees and was told neither could be done. Later in the week I went to the bank and asked why the bank could not deny transactions, I also pointed out that the alerts that I requested for transactions that bring the balance of the account under {$25.00} were coming after the account overdrafted and the fee was processed. I was told there was nothing they could do, but I could also try alerts for all transactions. This resolution has also proven to be ineffective in the most recent transaction on the account. 

Most recently on XX/XX/XXXX, an XXXX XXXX XXXX withdrawal was debited in the amount of {$10.00} and on the same day the overdraft item fee was processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is fraud account that was opened without my knowledge or consent : Barclays account # XXXX I attach an FTC identity fraud affidavit, please investigate and delete this fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Confirmation Number : XXXX. Equifax has reinserted previously deleted information ( i.e., previous address ) and this is a major violation. Previously deleted information is governed by the Fair Credit Reporting Act ( FCRA. ) The FCRA requires a credit reporting agency to notify me no later than five ( 5 ) days after the reinsertion. I was never notified of such reinsertion. Additionally, the creditor who reinserts the item must also certify the information is correct. Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ). Equifax is well aware that a extended fraud alert and security freeze are in place on my consumer file and such measures should prevent previous deleted information from reappearing in my file. Equifax is very well aware that my information has been mixed with someone else who has a similar name and measures should be in place to prevent my file from continuing to be mixed with another individuals information. I want to be very clear that I have only one name, one social security number and one address. My Equifax file should only reflect such information. There should be no previous address in my file. The only address I have lived at is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please refer to the attached copy of my driver license as proof. The following address does not belong to me, I have never lived there and it should be deleted from my file immediately : ( previous address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Reported : XX/XX/2018. ) Please provide me with the source verifying this incorrect and mixed address. Please provide me with the method of verification for obtaining this mixed address. I have attached a copy of ReInvestigation Results from Equifax showing the previous address listed above was deleted because it was " mixed. '' Attachments : Driver license, social security card, equifax reinvestigation results from XX/XX/18, Equifax credit file from XX/XX/18.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

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

Social Security Card has been stolen once and lost 2 times within the last couple of years. Addresses on my credit report are addresses that I have never lived or reported. Unaware of the addresses that are displayed on my credit report and Conns loan. There is also a soft inquiry that is showing on my report that I have no information about and was unaware of the inquiry
Product: Credit card

I DISPUTED THIS A WHILE BACK AND THEY REMOVED IT OFF MY ACCOUNT I CUT UP CARD THEY SENT XXXX XXXX XXXX AND THE ONLY CHARGE THAT WAS SUPPOSED TO BE ON THERE WAS {$99.00}, AND THE STAYED IT WAS DONE ON XX/XX/XXXX two of them then on XX/XX/XXXX charged something else and then stayed I called them on the XX/XX/XXXX to say it wasnt me. I ALSO TOLD THEM I HAD COMPLETE XXXX  XXXX ON XXXX XXXX XXXX  MY DAUGHTER DL WAS SUSPENDED FOR 90 days HER CAR WAS IN SHOP FOR SEVERAL MONTHS ( XXXX XXXX  ) AND SHE HAS NO XXXX To my card I had to take my daughter to XXXX XXXX on XXXX to pay to get her dl back. Also they stay them E-Mail and text my daughter but the agreement was they email me and text my phone which they didnt bottom line I didnt do this charges so I dont need to pay this but they did and investigation and found out it wasnt me and they removed it well credited my account back so when I received my bill it was it was only supposed to be XXXX some cents. My credit is very excellent as you can see and I dont want this on it
Product: Debt collection

I have requested Validation from Portfolio Recovery Associates. They have failed to provide it. I asked in writing that they stop contacting me. They continue to mail me the same notice roughly weekly.
Product: Debt collection

Well i workeon the road as a XXXX XXXX XXXX for XXXX XXXX XXXX XXXX for many years and my X girlfriend XXXX XXXX was playing with Police Officers behind my back for years and apparently taking credit and getting loans in my name using my information stooe my email etc... When i started finding out the officers XXXX me into XXXX XXXX like 4 times then had XXXX XXXX my X of 17years lived and had kids together start fights and then call when they were on duty she would say that i hit her and then they would lock me up and then live in my house while on duty and im in jail and stole money, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did this and now that im rebuilding my life and finally a free man i see all this negative XXXX  on my credit report and im hatd working and responsible. Please help me fix my Credit History and get me in good standing. Please im XXXX XXXX XXXX XXXX. XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started looking into my credit and i see multiple accounts on my credit profile I did not authorize, I believe my information was compromised due to equifax data breach. I am asking that these accounts be validated and if you find they truly dont belong to me for them to be deleted
Product: Mortgage

Recently, my mortgage had to be reinstated following the threat of foreclosure. To reinstate the loan, I was required to pay {$20000.00}. I have since discovered that monthly mortgage payments I made XX/XX/2020 and XX/XX/2020 were never applied as payments on my loan. For some reason, the checks were held in suspense and I was told recently by the call center agent when I telephoned that Carrington applied these payments to the insurance account that has been established by XXXX  XXXX  for damage to my home by Hurricane Dorian. Check # XXXX was remitted XX/XX/2020 and not presented by Carrington Mortgage to the bank for payment until XX/XX/2020. ( 103 days for processing?! ) Check # XXXX was remitted XX/XX/2020 and not presented by Carrington Mortgage to the bank for payment until XX/XX/2020 ( 59 days for processing ). After all that time, the payments were not applied correctly! Im sure many of the late fees on my account were applied during the time of delayed processing. These checks were written from a company account : XXXX XXXX XXXX XXXX, with the loan number clearly written in the memo line. The checks were mailed with the Carrington Monthly Mortgage Statement. Obviously, whoever processed the checks didnt know what they were doing and therefore put them in an insurance account in suspense. Did that person consider contacting me, the borrower, if they had a question? Have these payments been withheld intentionally with the view to charge late fees, attorneys fees, and other unknown fees? Did Carrington want to force foreclosure? With the payments misapplied, the loan went into foreclosure. Two checks that were made for subsequent payments to bring the loan current through XX/XX/2020 ( {$4200.00} ) and again through XX/XX/2020 ( {$1800.00} ) were returned to me uncashed citing that the loan was in foreclosure. I made each payment using the Monthly Mortgage Statement, even though I knew they were most likely incorrect. I have been charged fees that should not have been charged. Additionally, I have been harassed by lawyers, and no doubt have had my credit affected by the mismanagement of all these remittances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX - Account : XXXX
Product: Debt collection

I am being harassed by what I believe is a fake debt collection agency. Since XX/XX/year>, I have received near daily phone calls from multiple different numbers claiming to be Franklin Service Inc.-Debt Collector I looked into the collection agency as it seems suspicious. I believe the people contacting me are attempting to impersonate Franklin Collection Service ( a real company based in XXXX, XXXX XXXX. The calls I have received are from several ( XXXX ) numbers, but the XXXX XXXX has no southern AL phone nos or addresses listed on their webpage. When I search for these numbers, they are not linked to any legitimate persons or company. Some are flagged for a XXXX XXXX warning. Here is a list of the phone numbers I have been contacted by claiming to be XXXX XXXX XXXX-Debt Collector : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, XXXX XXXX, my mortgage servicer, experienced a significant data breach. This breach led to extensive disruptions in their systems, severely impacting their ability to process payments and communicate effectively with their customers. 
Unfortunately, I was among the many affected by this breach. This Breach has led me to be the victim of inaccurate reporting to the credit bureaus. Prior to the data breach, I was current on all my payments until this point, but there was a considerable delay in processing my ( or any ) payments. After paying in XXXX, i decided to utilize the XXXX  XXXX forbearance plan option, which requires my account to not be reported as late to the credit bureaus. Despite my adherence to the agreed-upon plan and my best efforts to ensure timely payments, these delays resulted in my payments being reported as late. They again, falsely reported my account late a few months ago, although my payment was given to them, for this I have proof through my bank statements. 

These have been XXXX late reporting 's, without ever even reporting a 30 day late. I don't know how that's even possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank XXXX XXXX XXXX  / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX / $ XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX and XXXX / XXXX / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX XXXX XXXX XXXX XXXX Bank / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have violated my rights. 

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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

I received a phone call from XXXX on XX/XX/XXXX and XX/XX/XXXX. I answered the call on XX/XX/XXXX. They asked for XXXX XXXX. XXXX is my father, and died in XXXX of 2017. He was never associated in any way with my personal phone number. 

I asked the company to identify themselves and what this inquiry was about. The only information they would give was that they were " XXXX XXXX ''. I asked them if they were a debt collection agency and they refused to answer. 

I told them I was the legal executor of my father 's estate and asked what the inquiry was regarding at least 4 times. The only answer they would give was " a personal business matter ''.