23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I was given a Vanilla Gift Card ( XXXX ) with a balance of {$250.00}. I made XXXX transactions, XXXX at XXXX and another at my local XXXX dealer. On the second transaction ( XXXX ) the card was declined and put on-hold. I have receipts for both of these transactions, they are not fraudulent or wrong, and have offered to supply them. 

I contacted Vanilla consumer service, who said they would look into it only if I provided personal information, they are asking for birth date, government ID photos, physical address ( this is a virtual card ), and legal name. I did not have to supply these when I received this card ( as a gift from my employer ), and do not want to share this information with this third party. 

Their system failed to recognize valid charges ( XXXX and XXXX ) and put my gift on hold. They are requiring personal information that I would not like to share.
Product: Checking or savings account

This is my third complaint about XXXX. They asked me to dispute items on the XXXX  report to the tune of which I have I have also asked to see if XXXX  understand and be the liaison to the fact that I am disputing the entire report the entire report is incorrect all XXXX pages every bank of the United States on there plus a fraud alert none of that is accurate and XXXX asking that all be removed or for them to explain why its on there and I keep getting the same XXXX redundant statement we are XXXX  XXXX creditor. That has nothing to do with my dispute its just passing the buck like they always do. I have tried to get this cleared for XXXX XXXX  and it doesnt go any further than where we are now because XXXX refused to prove that I have these erroneous accounts and they just go with what their third-party data collector says deliver credit check systems other data collector is wrong give me a break XXXX speeding every item on that report all XXXX pages that should be an indication. Who has a report XXXX pages long and has no bank account he cant get XXXX but doesnt owe
Product: Debt collection

ProCollect has placed an account on my credit report that does not belong to me. I never submitted an application nor have I ever lived at the apartment complex in question. I have attempted to contact ProCollect regarding this issue, but the company has been unhelpful in resolving it. I have disputed the account multiple times and requested debt validation, including a copy of the signed lease and my ID. However, ProCollect has refused to provide the requested information. I am now formally requesting that this account be removed from my credit report immediately.
Product: Mortgage

As owners of the property, XXXX XXXX and I approached Rushmore Loan Management Services several times to make an offer to settle the mortgage. XXXX . XXXX is the sole mortgage holder, but she has signed several powers of attorney giving me authority to speak on her behalf with XXXX, and she has told XXXX staff person XXXX XXXX to speak with me. I have spoken regularly with him, but he has been unwilling to help. 

First, he said repeatedly that he would set up an appraisal that I would pay for ( which I agreed to ), but he has never followed through. Second, XXXX . XXXX has qualified for a modification, but once he started dealing with me, he cancelled that modification. Third, every time a court date approaches, he calls to say he wants to resolve the matter and makes promises that he doesn't keep. Then at court the lawyer for XXXX tells the court that they are working with us, which isn't true. Fourth, I have arranged for potential buyers, including XXXX XXXX, a real estate investor. Although XXXX XXXX began a conversation with XXXX XXXX, when he learned that I was involved with obtaining this buyer, XXXX XXXX changed his mind, even after XXXX XXXX submitted all kinds of information, everything XXXX XXXX asked for. Fifth, I made an offer myself and, at XXXX XXXX 's request, submitted proof of funds. Yet he has refused to negotiate and make counter offers. Sixth, he continues to go back to XXXX . XXXX  even though she has told him repeatedly that she does not want to keep the unit and wants him to speak with me. 

We have wanted again and again to settle this matter. The judge keeps telling both sides that he wants us to resolve this before the next court date in XXXX. I am obtaining the transcript from the last two hearings where the judge has told us to get this settled and will forward it to the CFPB when I have it. Yet, XXXX has brushed me off again and again. XXXX XXXX has tried to side step working with me. He has made this personal and has been very disrespectful to me over the phone. His attitude has been very unprofessional.
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b 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! 


15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my account, I wrote to the three bureaus XXXX, XXXX, & equifax on 3 different occasions XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX requesting they Please send me copies of the documents that you have in their files as of this date that they used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting in my credit report. As i understand, federal reporting laws, particularly the metro 2 data formatted reporting regulations enacted as a result of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. it is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have only current true accurate and physically metro 2 compliant information reporting, i do not authorize you to retain any other accusations of a adverse or derogatory nature, true or not. retain or return to requisite metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant info. already or not already rectified by the other major credit bureaus as mandated by law.thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Money transfer, virtual currency, or money service

I accidentally deposited {$820.00} into my restricted Robinhood account that has been restricted since XX/XX/year>. I have proof of call, e-mail, and mail I have sent to them regarding this issue but all communication lead to no information being provided and the issue not being resolved. 

I would like the payment to be refunded back to the original account, or fix the restriction on the account. 

Before my account was restricted, I tried sending XXXX which flagged my account. I have done nothing wrong and would like access to my money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX acct XXXXXXXX XXXX XXXX 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 XXXXXXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account with XXXX XXXX for over the past year. The account in question has inaccurate information that the credit bureau has been reporting during that time frame and possibly longer since i found it on my credit report. The account is reporting a charge off each month and a balance of {$800.00} being owed to XXXX when the account has been sold to 3 different collection agencies over the past year and there should be a {$0.00} balance showing. These collection agencies are XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reinsertion of the following item ( XXXX ) into my credit report : XXXX XXXX  Original Removal Date ( XXXX XXXX ) Under Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency is required to notify the consumer within XXXX business days if any previously deleted information is reinserted into their credit report. I did not receive any such notification regarding the reinsertion of this information. 

Furthermore, the reinsertion of this account ( XXXX ) may violate the provisions of the FCRA, as the credit bureau must verify and certify the accuracy of the information before it is reintroduced into a consumers credit report. I request that you Immediately investigate and provide the required certification of accuracy for this reinsertion, Remove the reintegrated item ( XXXX ) if certification can not be provided, Provide a detailed explanation of your findings in writing, along with any supporting documentation. Please note that this letter is a formal dispute under the FCRA, and I expect your response within the legally required timeframe of 30 days. Failure to comply with this request may result in further action. I want to acknowledge Equifax have stated in my previous dispute XXXX XXXX whereas this account ( XXXX XXXXXXXX ) was deleted it states We have researched the credit account and the item has been deleted from the credit file. To better assist me with understanding the results of my dispute please review information below if item states deleted, we have removed it from your credit report and taken steps so it does not reappear what steps have youll taken? Because it has reappeared, what methods are Equifax using? To my knowledge this explains accuracy to the current lawsuit with the CFPB due to Equifax ignoring consumer documents and evidence submitted with disputes, allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers about the results of its investigations, and used flawed software code which led to inaccurate consumer credit scores. I have attached a copy of page XXXX of XXXX of my credit report from Equifax with the disputed item ( XXXX ) highlighted, along with a copy of my identification and copy of social security for verification purposes. I am requesting that this account be deleted and does not reappear also an updated credit report be sent to me immediately. I hope you take this matter seriously thank you for your attention to this matter. 



XXXX XXXX
Product: Mortgage

Complaint # XXXX. This is our complaint on file with your agency. I received an email today stating you are passing it to the OCC. I already tried to file a complaint with the OCC and they would n't take it as the lender is a mortgage company and NOT a bank and referred us to you. This is beyond frustrating!
Product: Mortgage

XXXX XXXX Senior Vice President Caliber Homes Loans transfer of loan, problems, credit insurance Ref case : XXXX and XXXX Responding to a complaint. response on XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a XXXX XXXX XXXX XXXX with XXXX XXXX, which was opened XX/XX/XXXX. The installment loan agreement was to be paid in 25 bi-weekly payments in the amount of {$19.00} with a final payment of {$19.00}. This loan has had MAJOR issues with payment processing and has a very flawed system. With that said, my bank ( XXXX ) has been connected and XXXX has automatically been taking payments from XXXX since this agreement began. They have reported my payments as on time, as they have been, to all three major credit bureaus ( XXXX, XXXX, Transunion ) until around XX/XX/XXXX. On XX/XX/XXXX I noticed a change in my payment history, and XXXX had reported late/delinquent payments to those three credit bureaus, that were previously reported on time. They changed my payment history as follows : reporting a 30 day late payment status for XX/XX/XXXX, reporting a 60 day late payment status for XX/XX/XXXX, and reporting a 90 day late payment status for XX/XX/XXXX. This is inaccurate credit reporting, and I have bank statements proving the payments were taken from my bank account for those months. This has affected my credit score drastically, by adding 1/30 1/60 1/90 late payments to my report! I contacted XXXX via their app in XXXX ( as instructed ), with no help. Then I contacted them via their complaint request on XX/XX/XXXX. The email I received from customer service was to go file another complaint about credit reporting, via the identical process I had already followed. I did follow through and do this yesterday. I am, however, extremely disappointed with the fact that no one seems to help, and Im just told to contact another department as soon as I speak with someone. Now more than ever, I dont need my credit to be affected like this. The fact that they changed these payment statuses in the beginning of XXXX during a pandemic, is wrong and financially puts a strain on people!
Product: Mortgage

On XXXX XXXX, 2017 I spoke with a loan officer at Quicken Loans regarding a property that I am purchasing in XXXX, DC. After discussing the available products and interest rates, I agreed to proceed with an application in order to receive a pre-approval as requested by my seller.
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I was unaware at the time of the decision that the property that I was under contract on does not qualify for a conventional mortgage from XXXX XXXX as it is a new construction condominium and those properties do not qualify for delivery to XXXX XXXX from Quicken.
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Had I known this information at the outset, I would not have proceeded with the application process for two reasons, first, I spent about an hour reviewing my credit status with the loan officer ( after which I was approved for the mortgage then rejected due to the XXXX XXXX restriction ), and second, I did not want to be adding hard credit inquiries to my credit report if there was not going to be any way of proceeding.
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After pulling my credit and completing the application, the loan officer asked about the property and knew right away that it would be a problem, which of course it was. My issue is that I received a hard inquiry for a loan that Quicken Loans will not ever approve and Quicken Loans is not willing to ask the credit agency to remove the inquiry ( which there is a process for doing but may have a financial cost to them. ) I raised this issue with Quicken Loans and was informed that while they regretted that the question of the property type was too late in the interview process to avoid the credit pull, there was nothing that they would be prepared to do to rectify the inquiry on my report which resulted in my score being immediately reduced by the credit agency.
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I am unable to recommend Quicken Loans to other consumers given a process that is punitive to people 's credit which the company is unwilling to resolve to the benefit of consumers.
Product: Mortgage

My mortgage payment went up {$44.00} a month, called carrington mortgage. They explained that by law they have to have a cushion in my escrow account.. My mortgage was sold to them from XXXX XXXX XXXX, which on some months I was able to pay extra on my mortgage principal
Product: Debt collection

A company by the name of InDebted attempted to collect money from me by requesting my debit card number. Impersonating XXXX, A pay in four payments company. They were attempting to collect an amount more than what I owe.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : - Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$410.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$6800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report reference XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. 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 account number XXXX balance {$740.00}. I did not authorize these accounts please remove them from my consumer reports. I did not authorize these inquiries so please remove it from my consumerreports : XXXX. 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 This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. MY NAME IS SPELLED XXXX XXXX XXXX I demand that ANY other variations or incorrect spellings of my name be removed immediately. My only address that should be showing on my consumer reports is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please remove ANY other addresses showing on my report because they are fraudulent. Sincerely, XXXX XXXX