23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Carrington Mortgage bought out our loan from XXXX XXXX XXXX in XXXX, 2016. We did receive a letter from XXXX XXXX XXXX stating that our mortgage was moving over to Carrington but never received information from Carrington on how to pay my bill. As my payment was due XXXX XXXX and by XXXX XXXX I still had n't received a notice I called Carrington Mortgage to find out that they had n't even put the account through the system and it would be up to 2 weeks before they did. I was able to get an account number and the representative told me for the first 90 days there would n't be a late fee added as long as the payment was received by the end of each month. I verified this information with her twice and made sure payment was made by the end of each month knowing by the 4th month it was back to regular due date. However on the XXXX and 3rd months I was not able to make a payment online as it kept getting rejected. I called Carrington and they stated the bank routing number was incorrect even though it went through the first time. I had to call back several times to get that issue straight. On the 3rd month the routing issue came up again and after a call to Carrington clearing it up the representative stated by Friday it would be unblocked and I could make the payment, there would be no late fee charged because it was their error. I tried all day Friday and all weekend to make the payment just to get the same error. On Monday I called again to find out I had a late fee for non payment. They finally agreed to waive that late fee but did not waive a fee I was charged for paying past the due date even though I was told I had til the end of the month. We were told the original representative that told me I had the first 90 days without a late fee was no longer working there and I was responsible for the late fee even though I was told the wrong information. We have never been late on a mortgage payment and due to this false information we now have a record of being late plus the expense of the late fee. When we called FTC a few weeks ago she stated that we were not the first complaint she had for them that day alone. On the BBB record they have a XXXX negative rating.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  I received notification that there was an inquiry for my credit. I immediately contacted the credit bureau and Capital one. Capital stated they located the application and will send out letters asking creditors to remove from report. 60 days later XXXX and XXXX removed. XXXX refused to remove stating they did not get any information from capital one. I called XXXX  multiple times and capital one with no one willing to help. By law this supposed to be removed. This is unfair as I did not do this. XXXX is refusing to dispute and remove with this being a fraud inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

starting on XXXX XXXX thur XXXX XXXX, XXXX i have disputed serveral accounts on my credit report with XXXX  XXXX. XXXX XXXX XXXX, GA XXXX, XXXX   XXXX. XXXX  XXXX XXXX, TX XXXX, Trans Union LLC Consumer Dispute Center XXXX XXXX # XXXX XXXX, PA. XXXX, and i have requested validation of debits listed below and a copy of my wetting signature per the fcra and if not for them to remove from my file. the deputes were sent certified mail and i have copys of everything.the third depute i sent all three failed to give me any proper documentation with my signature on it and they have now refused to take any more information about my deputes unless it is new information. they are not following the rules per the fcra and i have no more options but to file a complaint and take legal action against all three credit reporting agency s listed above .they are in clear violation of the fcra .they refuse to do a proper investigation and provide that in 30 days. 

XXXX debts account number XXXX unverified account. 
XXXX/XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 
XXXX/XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 

thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

Account # XXXX, XXXX XXXX XXXX is reporting false information, the account is closed yet its stilling adding interest to my report causing it to appear as am open account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I initiated a wire transfer by telephone contact with Western Union ( " WU '' ). I provided the WU agent with my XXXX XXXX checking account number, the appropriate XXXX XXXX routing number, and my XXXX XXXX debit card information. The WU agent confirmed my information as accurate, and immediately caused my account to be debited {$220.00}, which included a {$19.00} for WU. The remaining {$210.00} was to be wired into my checking account. On XX/XX/2020, XXXX attmpted to debit my XXXX XXXX Checking account but as a direct an proximate result of WU 's negligence, the XXXX debit was not successful and XXXX XXXX charged my account a {$35.00} " NSF '' fee. It turns out that WU caused my funds to be wired to the wrong " code city '' as well as the wrong company -- - XXXX XXXX XXXX XXXX. I do not have any account with XXXX XXXX XXXX XXXX. I immediately initiated a claim with WU, and I was informed repeatedly by several WU employees and Managers, including, but not limited to, " XXXX XXXX '', " XXXX XXXX '' and more recently, XXXX XXXX Executive Resolution Specialist. Ms XXXX instructed me that she would be the sole point of contact, and yet she refused any significant assistance, and went so far as to state that she " had no idea '' how long it would take to receive my refund AFTER WU receives the funds from XXXX XXXX XXXX XXXX. In any event, each and every one of the WU agents were adamant that WU had NOT received my funds from XXXX XXXX XXXX XXXX ( despite the fact that such was a lie ) and that the only thing that WU could do would be to send another email request to XXXX XXXX XXXX XXXX  seeking authority to provide me with a refund. My own investigation revealed that on Friday, XX/XX/2020, XXXX XXXX XXXX XXXX  had indeed wired my {$210.00} to WU in a " Bulk Transfer '' and the proof of my refund is included in XXXX XXXX XXXX XXXX  spreadsheet, Sequence # XXXX. It is my belief that WU is engaging in a pattern and practice of unlawfully withholding customer refunds for inordinate amounts of time, while earning interest on these funds, while lying to WU customers. There i simply no reason, in this era of electronic transfers and overnight clearing that my {$220.00} should not be released to me immediately, as quickly as WU removed the money from my account. Please investigate these claims. I thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  said I had to dispute these with the police department, as I have had my identity stolen in the past. 

Police Citizen Report tracking number : XXXX ( for the other fraudulent inquiries ) Here are more hard inquiries that I did not authorize : XXXX XXXX XXXXXXXX XXXX XXXX Informative Research XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Multiple times I have signed up for and used Toyota Financial Services ' " Autopay '' feature. This system is supposed to pull money from my bank account on the due date and pay the monthly fees for my lease. 

Unfortunately for various reasons, Toyota keeps canceling the autopay without notification and the earliest notice I get from Toyota is when the account becomes past due and they are approaching the 30-day mark to impact credit scores. 

This has happened on three occasions now, once a couple of years ago, once when I was coming to a close on my lease, and once on my brand new lease. 

The first time the agent just put it down to a " weird system error '' and luckily it was fixed pretty quickly since it was spotted by myself. 

The second time it was tracked down to an agent who canceled it when extending the " lease period '' for 6 months due to my local dealership having no cars available. This happened without my knowledge and then Toyota couldn't tell me if they had applied a derogatory mark on my credit file, and I had to wait 2 months to make sure none appeared. When speaking with an executive escalation they agreed that the cancellation without notice was unusual however policy wouldn't allow them to make a goodwill adjustment if a derogatory mark appeared on my credit rating ( luckily it did not ). 

The most recent time I received a call from Toyota telling me it was past due, I asked to double check since I had set up auto pay and the agent couldn't find any autopay linked to my account. They also told me that no " billing information '' was linked to my account ( despite being able to log in and see my own billing details ). They promised a callback from a manager within 24 hours but no call was forthcoming. The call was to deal with two areas 1 ) Why the autopay keeps being canceled and 2 ) When I leased the car I was told that Toyota FS would send out a second " keyfob '' this hasn't arrived from Toyota fs yet. 

Unfortunately having to constantly check if the payment has been taken out negates the benefit of having autopay. When the company randomly cancels it - it causes significant angst and worries over having my credit rating potentially dented due to terrible systems including an agent 's incorrect information on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I didnt apply for a XXXX card dated back XX/XX/XXXX and I didnt accept this card in my name and it has two phone numbers it dont belong to me in my name .... and XXXX completed there investigation and find it that I was responsible for this account but they never called me or send me any letters at all and I didnt apply for this card ... but I wasnt held responsible on two previous XXXX   accounts and I have the letter and the proof they send me in the mail on XX/XX/XXXX on another XXXX account ... XXXX has been giving me a hard time and they have rude customer service and they never ask for police report and never called me ... I want this account to be temporary removed off my credit report while they do there second investigation ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing and sending letters to the bureaus and they have done nothing. I have received no letters or seen any updates to my credit. I will attach letters I send previously but there have been more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was informed that Capital one was reporting a 30 day late payment to all three credit reporting agencies. After contacting Capital One via phone, the customer service agent identified that 2 payments were credited to one of my cards and none to the other. The payment in error would have paid off the account in question. The agent informed me there was nothing they could do. 

As a customer of Capital One for nine years without a single late payment, I believe this to be an unfair business practice not to be able to correct this situation. 

My card ending in XXXX had 2 payments, and my wifes card ending in XXXX was reported late.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Debt collection

I don't recall having a contractual relationship with this collection company TRANSWORLD SYSTEMS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. A girlfriend I was with in 2017 began to take my information and destroy my credit in retaliation of a break up. I was forced to get a protection from abuse order which was granted in my favor. However, the damage had been done as I suspect she opened credit cards in my name. I sent copies of the documents to XXXX but they refuse to delete the accounts because they have been verified. But these are not my accounts and the verification process gets completed because my real information was used fraudulently. These fraudulent accounts have ruined my life, I am currently homeless and I need these accounts to be removed so that i can get adequate housing. 

The following accounts need deleted from my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) reported over 30 days and 60 days late on my credit report when this was not true. This was discovered when my husband had a renewal of his XXXX XXXX. XXXX sent a letter stating there error and said it would b corrected on both our credit reports. This was back in XX/XX/XXXX. The letter said that we had zero late payments on our mortgage. I was notified in XX/XX/XXXX that our credit had dropped. When I pulled our reports its showed that yet againXX/XX/XXXXreported late payments for XX/XX/XXXX andXX/XX/XXXX. This is causing us much stress since we are looking to rent another home and may cause us not to be qualified based on our credit score. XXXX also did not pay our home owners insurance nor or property taxes recently. I contacted them and was told that they knew this happened and had been waiting for customers to call and let them know. We where over 2 months behind on our home owners insurance. These funds are es-crowed in our payments. If my insurance agent did not call me, we would have lapsed on our insurance policy. This has caused us much stress and time trying to consistently fix XXXX errors. We will be looking into a lawsuit if needed.
Product: Debt collection

My sons father used my social to her car insurance thru XXXX. He opened account in XX/XX/2021. He owes {$420.00} I filed a report, i disputed it with fraud, i called XXXX, i got fraud alert on my credit. Next step is police report
Product: Money transfer, virtual currency, or money service

My complaint is with CashApp. On XX/XX/2010 on 4 separate occasions someone went in my Cashapp and {$720.00}, {$100.00}, {$100.00} and {$100.00} all totaling up to {$1000.00} from people I didn't know. Cashapp told my bank I had to authorize it and I didn't. The bank XXXX XXXX didn't give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX I submitted a request to validate the information on my credit report and again in XXXX of XXXX. The accounts came back validated, however each credit bureau is reporting different information on the validated accounts and I requested the information be removed. I have 2 documented FCRA violations for each credit reporting agency and the creditors.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following date of XX/XX/22 and. I'm now requesting you investigate the XXXX XXXX XXXX XXXX XXXX account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When paying a moving company they wanted to be paid using XXXX thru my bank, US Bank. Since US Bank 's website states " With US Bank and XXXX you can send or receive money safely and securely '' I felt comfortable with this. On XX/XX/20 I sent {$460.00} via my bank and XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The company confirmed receipt of the {$460.00} but never delivered the piano. They don't answer their phones. I filed a claim with US Bank and they denied it saying " the transaction posted as requested ''. The email used for the transfer was XXXX. Apparently XXXX does not offer fraud protection on transactions. 

Hopefully the info above is enough. Please contact me if more info is needed. I was not sure what category to report this under so hopefully this works. 

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

DEAR Credit Bureaus During the Covid-19 I struggle to catch up my payments on time I was sent home from my job because of Covid-19 I was missing payment to my XXXX  secured loan on XX/XX/XXXX and XX/XX/XXXX and Borrow money from someone to pay XXXX XXXX  secured loans and XXXX  Secured Credit card they refused to remove the late payments off my credit report since then I never late to making payments they supposed to follow the COVD ACT and remove those late payments from my credit reports as soon as possible .Account # XXXX and Account # XXXX SINCERELY. 
XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This complaint has been filed pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Transunion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of an a loan account opened with wellsfargo auto on XX/XX/year> account number XXXX, This account has resulted in negative reporting on my consumer fico credit report. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaints as proof from the US federal trade commission that the aforementioned consumer credit account is the result of identity theft and fraud.