23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan was transferred to new servicer. Accidentally the 3rd payment was made to the prior servicer on time and with sufficient funds, so we though the payment was made- all set as always. The prior servicer didn't forward the payment, ( or notify me in any way it was sent to the wrong place ) and the rejected payment didn't post as failed with my bank until after it was already late. I forwarded the copy of the bank statement showing it WAS paid on time, along with the payment, and the current month 's payment due, as soon as it was discovered it hadn't processed. 
I submitted to the servicer, who has since applied late fees, and is not posting the regular payments due to insufficient funds due to the unwarranted late fees that were applied. 

I have tried to expedite this with the servicer, to no avail, so it is time for the CFPB to try. 
It has negatively affected my credit rating, caused other credit score driven issue such as my a rejection of my daughters student loan application for her tuition due XX/XX/XXXX. If they due process the student loan, it affects the terms we receive on it due to the low credit scores associated with the issues created by the misreporting of Mr. Cooper regarding the mortgage payment servicing transfer issues. Mr Cooper was unwilling to to expedite any part of this. I attached the statement showing the payment XXXX to academy mortgage and the XXXX paid XX/XX/XXXX.. The rejected one was also resent on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
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 one late payments on an account that I 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 payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year> now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

Account XXXX : XXXX XXXX XXXX  Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX FLXXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Truist, I am writing to dispute inaccurate information on my credit report as provided by your agency. According to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe is incorrect or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX XXXX ] - **Creditor** : [ XXXX ] - **Type of Discrepancy** : Late Payment Reported for [ XX/XX/XXXX ] I have reviewed my records and have confirmed that the reported late payment on this account is incorrect. As per the FCRA, all data furnishers are required to provide accurate information to credit reporting agencies. This includes ensuring that all reported late payments are correct and verifiable. I request that you investigate this matter and correct the information on my credit report as soon as possible. 

Under the FCRA, you are required to investigate my dispute and provide a response within XXXX  days of receiving this letter. Please conduct a thorough investigation and delete or correct the inaccurate information on my credit report. Additionally, I request that you send me a confirmation once the correction has been made. 

Please find my personal information below for reference : - **Full Name** : XXXX XXXX - XXXXXXXX XXXX XXXX : XX/XX/XXXX - **Social Security Number** : XXXX - **Address** : XXXX XXXX XXXX  Thank you for your prompt attention to this matter. If you need any additional information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made an online purchase on XX/XX/18. 

I am dissatisfied with my purchase. I discovered some of the clothing arrived damaged. In addition, I do not like the fabric and overall the quality of the items. So, I went to the store to make a return ( I wanted to return all items to the merchant ) I was told by merchant they could not assist me in my return. Merchant is not accepting any of the items purchased for a return/refund. 

I contacted my credit card issuer in regards to issue, credit card company states theyre unable to assist. I know my rights under the Fair Credit Billing Act and credit card company is not adhering to laws and regulations of such Act by refusing to help in the matter described.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I filed this complaint because after several attempts of writing letters to the creditors, I receive no response. I have been sending letters for months now and I have repeated myself over and over again. I need this taken care of IMMEDIATELY and I will do anything to get this issue resolved. The following accounts are not my responsibility : 1. ) XXXX XXXXXXXX XXXX 2. ) XXXX XXXX XXXXXXXX 3. ) XXXX  XXXX XXXX XXXX TX XXXX 4. ) XXXX XXXX XXXX XXXX 5. ) XXXX XXXX  XXXX 6. ) XXXX XXXX I have never had an account with either of these companies and they have failed to validate this debt in accordance with FDCPA. I am requesting that the items be deleted from my credit report immediately in accordance with the FCRA.
Product: Debt collection

Integrity Solution Services continues to post debt that has previously been REMOVED! Many agencies continue this process of adding, I continue to dispute them, they get removed, then reappear under a different name ( XXXX XXXX, XXXX, XXXX, XXXX ). Some have even changed the name of the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX DEPT OF EDUCATION/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and that the following accounts on my credit report are fraudulent. As per the guidelines of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, SC XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Mortgage # XXXX. 
Fifth Third Bank To Whom it may concern : Our mortgage loan went into servicing on XX/XX/21. Shortly after in XXXX starting on the XXXX, we made several large principal only payments to get our loan to value down in order to drop PMI. See list of dates below : XXXX {$20000.00}. XXXX {$20000.00} XXXX {$40000.00} XXXX {$40000.00} XXXX {$40000.00} Once we completed our last large principal payment, we contacted the customer service line to request the XXXX  be removed. The agent told us that XXXX was a credit and would automatically be removed. After the XXXX did not automatically fall off, we reached back out to the mortgage offices that did our loan last year. She instructed us that we need to request XXXX to drop. As a consumer, I had no idea of the process or how to get the charges to drop. As a consumer, I am seeking a refund of {$610.00} which were overpayments due to a very tricky process of managing or removing the XXXX.
Product: Checking or savings account

XX/XX/XXXX TDBANK XXXX XXXXXXXX XXXX XXXX XXXX @ around XXXX went to the drive thrusts I deposited {$400.00} but the machine never added to my account nor gave me a receipt.I went inside spoke with the manager and she made write out a claim and sign and they refunded my money like I said IM ON CAMERA I depositing some kind of money into the atm .0n XX/XX/XXXX I go TDBANK on XXXXXXXX XXXX XXXXXXXX XXXX XXXX RI XXXX @ about XXXX I go through atm drive through and deposited {$400.00} the machine dosent give a receipt and dosent add money to my account .I go inside because there employees working I explain and again Im on camera depositing some money into atm the refunded my money XX/XX/XXXX & XX/XX/XXXX $ the {$800.00} was taken out my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reported collection agencies to my Transunion credit report, so I sent 3 rounds asking for validation of debt and in return they said the debts were verified by sending bills. NO CONTRACTS WITH SIGNATURES like i asked. Please help. Attached are dispute letters i sent to Transunion and the bills and responses they sent me.
Product: Debt collection

Was charged for an internet modem. The modem was deposited into a return bin at XXXX. I called two days later to confirm they had recieved it and they said that they did and that everything was satisfactory.
Product: Credit reporting or other personal consumer reports

The report is more than 7 years old. As per seven years is the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXXXXXX 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

Recently, I exercised my right to credit yet was unlawfully denied that right. 
This is a direct violation of my rights as a consumer.

15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right.

15 USC 1691 ( 3 ) I exercised my right to credit.

15 USC 1602 ( g ) - the term creditor explains I am the person who regularly extends credit. I credited this transaction so how can you deny me?

15 USC 1681 ( k ) Adverse Action - nothing under Adverse Action gives you the right to deny me.

15 USC 1602 ( l ) I credited this transaction as a creditor from my credit card, this was a credit transaction from my credit card.

15 USC 1602 ( p ) unauthorized use, you ran the credit card and I received no benefit.

15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority and I received no benefit from this transaction.

15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.
Product: Vehicle loan or lease

I gave birth XX/XX/2020, while I was on maternity leave my mother asked me to help her get a new car with my credit since she had bad credit. She and the saleswoman XXXX XXXX with XXXX XXXX XXXX XXXX drove to my house to have me sign the contract ; when I asked why my name was listed as primary the saleswoman had the nerve to lie to me and said that the order of the names would not matter. Months later, my mother ran a red light and keeps driving through tolls in XXXX XXXX that all billed under MY NAME. XXXX and FL XXXX were not helpful at all even when I told them she's also listed on the title, they only care to list the first person. Meanwhile I don't even possess or drive the car, I have my own! I attempted to resolve my issue through a different agency but all the dealership did was send ONE PAGE of the contract. Even though the dealership listed me as primary owner they never once bothered to personally follow up with me they only checked in with my mother. If you asked them for the full documentation you will see she is the one requesting to purchase the vehicle and the one requesting the addons, so why did they make me primary if she is the one authorizing everything else on the purchase including her own trade in? In fact, if this were my vehicle don't you think I would have gone to a dealer close to home since I just gave birth, not XXXX XXXX where my mother lives? My relationship with my mother is a different story, yes I have asked her to take my stepdad 's car on their trips but they keep taking the toll lanes under my name. I do not have access to the Ally Auto login for this vehicle, since my mother is the one paying on the vehicle only she does. She drives it and pays for it, so I think it should primarily be in her name if I'm just being used for my credit.
Product: Checking or savings account

I opened a " Platinum '' Money Market account with BMO Harris Bank on XX/XX/2020. I was told I needed to immediately deposit {$5000.00} in order to qualify for the " Platinum '' account. I made a {$5000.00} deposit immediately and received confirmation on that same day that my opening deposit was complete. I then received an email from BMO Harris with the subject line, " Come back and Transfer Funds ''. So I made a second transfer for {$5000.00}. When I went the following day to check my BMO Harris account, I received an error that my log-in information was incorrect. I called BMO Harris ( XXXX ) and was put on hold for nearly 50mins. Someone then answered, verified my identity, and told me they needed to transfer the call. They then disconnected. 

I called back the following day, was again placed on hold- this time for 35mins. Was asked a series of questions to verify my identity and then was placed on hold again while I was transferred to " the tech department ''. Someone answered, asked a series of questions to verify my identity, and then informed me that a hold was placed on my account, and they weren't sure why but I should keep trying to log in and eventually my log-in would work. 

The following week, after no success accessing my account or the money I'd deposited, I called XXXX XXXX back. This time after being on hold for an extended period I spoke to a personal banker. I explained that I wanted to just cancel the account and have my money returned to me. She told me that she couldn't do that, but would transfer me to the " fraud department ''. After being placed on hold, the personal banker returned and informed me that the " fraud agent '' assigned to my case wasn't available. I explained that I had called several times and had spent hours on the phone with the bank in an effort to rectify this issue. She said there was nothing she could do, and that I should call back. 

I called back again today ( XX/XX/2020 ). Same thing- identify verified, but they refused to put me in contact with someone who could solve the issue AND they refused to return my money to me. I have no way to access my funds, no way to view my account, and they are refusing to allow me to close the account. It has been several weeks and a complete nightmare. Please help me. Thank you.
Product: Money transfer, virtual currency, or money service

Since XXXX, I use the services of Wise.com ( formerly Transferwise ) for US to Europe and EU to US money transfers in EUR or USD. 
On XX/XX/XXXX, I transferred XXXX $ to my Wise account from my account at XXXX  XXXX XXXX. 
Wise.com recorded the incoming transfer from XXXX on their corporate XXXX XXXX account on XX/XX/XXXX and notified me that my money can not be sent to my XXXX  XXXX account under the pretext of missing information concerning my account name, number and wire transfer details at XXXX  XXXX XXXX ( the bank they got the money from ). 

I submitted comprehensive information about my XXXX  XXXX XXXX account, name, account details - despite that, Wise.com did not credit my account with the XXXX , but went silent and kept the transfer on hold. I called their service center three times on XX/XX/XXXX and XXXX, and although the call center agents said the information was comprehensive, the money was not credited to my balance. They had no explanation why Wise does not process the information I submitted, held back the transfer, or even credited it to my account. The XXXX $ is inaccessible to me. 
I assume Wise uses the collection of more information as a tool to prolong transfers in the interest of cash management. A transfer that normally takes 2-3 business days has been put on hold for several days without proper explanation. 
I would like to request the CFPB to investigate the deterioration of customer service at Wise.com. As I write this, nobody at Wise.com could so far explain why the XXXX $ are not credited to my account balance.
Product: Credit card or prepaid card

Synchrony Financial has closed all of my accounts with no warning. I have paid my bills every month. One of the cards had XXXX balance. I logged into pay my J.C. Penney bill a few days ago and noticed that it said the account was closed. I then logged into my Lowes, Care Credit, XXXX, PayPal and other accounts and all are closed. I still have my job and have not been affected by Covid 19. I have had the J.C. Penneys Card for over 20 years. 

My credit score has been affected by this and I am not sure how low it will drop now. I have more credit used than what I have available.