23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I first wrote to the Trans Union on XXXX about my name and it being reported wrong on my credit report as well as names not belonging to me, for instance, my wife 's name on my credit report and sent them my license as well as my social security card and also my utility bill showing my address I have lived at for the last 22 years all of which was sent certified mail and had documents also notarized. 

they still did n't get the information correct as I had to send another certified mail on XXXX with the same information as the last time license, ss card, utility bill and notarized documents and when I pulled my credit report I still show my wife 's name which is XXXX XXXX XXXX ( maiden ) XXXX. 


XXXX XXXX XXXX this name is wrong and needs to be corrected XXXX  XXXX XXXX this name is wrong and needs to be corrected XXXX, XXXX this name is wrong and needs to be corrected XXXX, XXXX, XXXX this name is wrong and needs to be corrected my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, Hawaii XXXX All other versions are incorrect and by law must be removed as per the FCRA since they are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information that your company, XXXX  XXXX XXXX is still reporting to my Equifax Credit Report and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating officer that this matter would be handled by one of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. XXXX  XXXX XXXX, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to XXXX and Equifax. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account # XXXX Phone : XXXX Open : XX/XX/XXXX Last : XX/XX/XXXX High Credit : {$500.00} Limit : {$3000.00}
Product: Money transfer, virtual currency, or money service

Around a week ago So XX/XX/19 received a notice my businesss account was closed due to risk even though I didnt do anything
Product: Debt collection

I settled with Discover Financial on a debt which I dutifully paid for a year. XXXX and XXXX  tried to collect a sum over and above the agreed upon amount - not by much, maybe less than {$100.00} of what was agreed upon, but when I closed the account believing that we had settled the agreement, they then rescinded the agreement with Discover. I was represented by a lawyer who made this agreement, when XXXX XXXX  XXXX contacted my attorney separately by phone to negotiate this agreement. I repeatedly tried to call XXXX XXXX XXXX to straighten this out, and the representative was rude and hung up on me and would not give me receipts of payment or discuss the matter with me. That was over 4 years ago, and now I'm being sued for this same debt that I already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 an account without my written instructions. 

XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX violated my rights. 
XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 an account without my written instructions. 

XXXX XXXX XXXXXXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 an account without my written instructions. 

XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 an account without my written instructions. 

XXXX XXXX  in 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 an account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 an account without my written instructions. 


XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 an account without my written instructions. 

XXXX XXXXXXXX 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. 

XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Mortgage info : Payment due XXXX of month, delinquent XXXX of month. 

XX/XX/XXXX First payment due to Caliber Home Loans. I set up XXXX with a money market XX/XX/XXXX scheduled XXXX engaged. 
XX/XX/XXXX XXXX was reversed unbeknown to me. 
XX/XX/XXXX I received notice the XXXX failed. Apparently the money market account is a checking not a savings account. I called XXXX customer service. After XXXX minutes on hold XXXX told me to make the correction ( change bank account type to checking ) online. He said they had a new system and he couldn't help me on the phone. However, I was unable to make any changes to XXXX online because the date was too close to the transfer date ( XX/XX/XXXX ) and a notice told me to call a representative! 
XX/XX/XXXX I made a phone payment ( conf # XXXX ) to cover the XXXX autopay failure. 
XX/XX/XXXX XXXX I called Caliber and confirmed the XXXX payment had been successfully applied. I was able to change the money market account type to checking online. 
XX/XX/XXXX XXXX Called Caliber again to make sure the autopay would work. XXXX told me the bank information on file was correct and should work fine. She said she would email me verification and call discussion. I also requested a waiver of the {$50.00} fee since I was trying desperately to correct this issue and make my payments. She indicated she would try to waive the fees. I never received the email of our call discussion or verification. 
XX/XX/XXXX XXXX scheduled autopay attempted. I checked my account daily. 
XX/XX/XXXX Seeing no deduction in my bank account for the payment ( payment appears successful on XXXX website ), not wanting to be delinquent, I made an online payment for XXXX payment. XXXX applied it INCORRECTLY to XXXX indicating my XXXX payment is past due. 
XX/XX/XXXX Sent letter of explanation to Caliber. No response. Receiving default letters. 
XX/XX/XXXX XXXX rejected. More fees applied. Credit dinged on XXXX. More default letters arriving from collection agency. Caliber removed autopay option. 
XX/XX/XXXX XXXX, not seeing a deduction on my bank account, made an online payment for XXXX. Caliber INCORRECTLY applied to XXXX. Still indicating my XXXX payment is past due. I sent a XXXX XXXX of explanation which they received XX/XX/XXXX. I have had no response from Caliber. 
XX/XX/XXXX On hold for XXXX minutes. XXXX listened and worked through my payment and misapplication dates.She stated they would be allocated correctly in 3 days and my credit ding would be reversed within 7 days. Nothing has changed as of XX/XX/XXXX. 
The only payment I am delinquent on ( though not from lack of trying! ) is XXXX. I have never been delinquent on any payment anywhere. 
I have screen shots of their website changing my information and reverting it back later. They have turned off XXXX and back on multiple times. The information on their website regarding my account is incorrect, inaccurate and deceiving.
Product: Mortgage

I am disputing a late payment fee. All of my payments have been on time for the last 15 years. Freedom Mortgage indicated that they received a late payment that was submitted on XX/XX/2021. On XX/XX/XXXX my wife contacted Freedom Mortgage to find out why that have not withdrawn the payment from the bank account. My wife was told that the bank rejected the payment due to an account number error. Freedom Mortgage did not contact me to make me aware of the banking error. Freedom Mortgage also made changes to their website. In the past if the banking information was incorrect the system would indicate that an error was made. The company waived the fee. However, the one late payment is indicated on the mortgage statement and may damage my credit score.
Product: Credit reporting or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. Verification requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX v. XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. 2004 ). 

Your response should to me should include the following at a minimum. 

1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 

If yes to above : ( i ). Who did you speak to? 
( ii ). On what date? 
( iii ). How long was the conversation? 
( iv ). What was their position? 
( v ). What telephone number did you call? 
( vi ). What is the name of the employee of your company that spoke directly to the above party? 
( vii ). What is the position of the employee of your company that spoke directly to the above party? 
( viii ). How long has that employee been employed by your company? 
( ix ). What formal training was provided to this employee to investigate items of this kind? 
( v ). Was there any e-mail or written communication between members of your company and the above party? 
8. Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
9. Provide the date of the commencement of delinquency. 
10. Provide the SPECIFIC date reporting that these items will cease.
Product: Credit card or prepaid card

I am filing a complain the CFPB because I returned items and never received a refund for what I returned. On XX/XX/2020 I purchased a number of furniture items from XXXX. One of those good included a table. After receiving the table I decided to return it. I contacted XXXX directly and told them I was returning it. I schedule the pick-up and then XXXX retrieved it on XX/XX/2020. However, XXXX never gave me a refund for the table that I returned. For this reason, I disputed the charge with my credit card company. However, despite showing proof that I returned the item in question my Citi credit card dispute was resolved in the merchants favor.
Product: Credit card

I started contacting BOA, XXXX, XXXX, XXXX since XX/XX/2020. 
I have a contacted, sent police reports, letters to dispute charges. I paid what I owed but they did not close as requested, remove fraudulent charges, accept dispute. Each company stated because I made payments I was responsible. I chose to Pay what I owed and refused to pay the fraudulent charges. Many charges were for Smoke Shops, liquior shops I have never ever even been in one. Charges are in other states, under previous name but to avail fo the companies help. 

FTC send reports findings that the BOA was fraudulent but they did not remove charges. 
I have continued to be contacted by company and now collections agency. I am disabled and have fought this for 4 years, it has affected me mentally/physically. Someone needs to help with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX 2. XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX 3.  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX 6. XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 8. XXXX XXXX XXXX XXXX XXXX FL XXXX SOCIAL SECURITY NUMBER VARIATIONS : 1. XXXX
Product: Consumer Loan

I got a loan from Key Bank for a pool in XXXX. I ended up short selling the house in XXXX, and stopped paying the loan. The loan was sent to collectors and I arranged automatic payments with them in XXXX. I noticed after about a year that the amount owed was n't going down, so I called and spoke to the collection agency and they told me that Key Bank was still charging interest, as they did not and could not charge interest. I called Key bank and they had no idea how that happened. The interest charges stopped after that. In XXXX, my automatic payment stopped, so I called the collectors and asked why, and they told me Key bank took the debt back. I called Key bank and was told the want the entire amount owed, not the little payments I was making, so I said send me a bill. The bill never came, and I got a call from XXXX XXXX on XXXX/XXXX/XXXX at XXXX, and he had no records of my previous contact with Key bank. I requested my proof of payments from him, and I gave him my address, and I 'm still waiting. Key bank has my address and phone number, but they keep calling my mother and harassing her. I need proof of payments from them to show that they were charging interest on a debt they had transferred to collectors, please help, thank you.
Product: Mortgage

In response to my repeated requests for payment information related to my loan, I was repeatedly sent private information for other Mr. Cooper customers. The employees at Mr. Cooper repeatedly did not listen when I told them what they were doing, and continued to send me private information for other customers. I believe this is a crime. 

In addition, I paid off my loan, it was confirmed that I had made the final payment, and Mr. Cooper subsequently called me to demand additional funds. It appears that one of my previous loan payments made prior to receiving and satisfying a misrepresented payoff estimate I received and paid via wire transfer was also misrepresented as processed and paid in full by Mr. Cooper. Because of these misrepresentations, I suffered a great deal of XXXX  XXXX, incurred investment losses, incurred transaction fees, and have nearly lost my home due to Mr. Cooper 's delay in processing and reestablishment of my VA loan eligibility. I am happy to discuss with a reasonable adult. 

These are violations of the Deceptive Trade Practices Act, common law, and likely also of criminal law in several respects.
Product: Credit reporting or other personal consumer reports

Account # : XXXX XXXX XXXX Opened : XX/XX/XXXX Transunion you are furnishing inaccurate and incorrect information to my consumer report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 Says you Transunion company is a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS XXXX publication. SEND ME MY FORM XXXX that you should have sent when you Filled the account as a canceled debt. My Address is listed below! XXXX XXXX XXXX XXXX Ga XXXX 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
Product: Money transfers

I sent {$800.00} by Western Union to my friend who was robbed while vacationing in XXXX. She presented here passport as Identification and the agent had her fill out and sign ( before receiving the cash ) all the paperwork. The agent then called the store manager over to give here the cash because the amount was too high for here to disperse. The manager again inspected here passport and then refused to give her the money because her middle name was on her passport, but not on the money transfer. They then told her that the transfer would be cancelled and I would have to resend it. When I went online to resend it, the transfer was listed as being received by my friend. I then contacted Western Union by phone and was told that it had not been canceled and it had defiantly been picked up. After talking to several more people on that call I was told that the agents in XXXX must have made a mistake and not cancelled the transaction. My friend went back to the agents in XXXX and told them this and they said she was wrong, the transfer had been cancelled. She requested that they call Western Union and talk to them to figure out what was going on and they refused. This transfer was on the XXXX of XXXX, 2016, and ever since then I, and my friend have been trying to get this corrected and find out where the money went. Western Union asked if I would like a formal investigation of this transaction and I told them to do so. Since that time I have heard nothing and am unable to reach anyone that can tell me any information about the investigation, or if the investigation is even occurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already sent EXPERIAN proof that a XXXX XXXXXXXX account on my credit report does not belong to me and I do not owe them, therefore it has NO RIGHT to be reported on my credit report. They agreed, yet still are reporting the inaccurate account that does not belong to me, on my report.
Product: Credit card or prepaid card

On XX/XX/2017, I wrote to CFPB. You all helped me prove to Discover that I wasn't liable for the fraudulent use of a credit card that was illegally obtained in my name. Discover removed the fraudulent use of the card from my credit report, and stopped the judgement. However, the funds from the judgement ( I never received a court summons, because the address used was an address I didn't live at ) where never returned. There was a lien on my bank account and a garnishment from XXXX ( a temp job ). I would like those funds returned. 

Thanks,
Product: Credit reporting

My husband and I are in the middle of an FHA Short Sale for the property located at XXXX XXXX XXXX. XXXX, GA XXXX. FHA /Investor requirement to be late on our mortgage to get FHA short sale approval. Supporting documents are uploaded. Please examine, audit or re-evaluate credit. As you see from the credit report that all creditors shows excellent record- " paid on time never been late. ''
Product: Credit reporting

A name listed incorrect XXXX Never used any name like XXXX An Address wrong : XXXX XXXX Al XXXX Ex wife 's address Some Phone Numbers wrong XXXX number unknown XXXX unknown
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information such as names employers addresses phone numbers and other variants that are not accurate are not being removed as they do not belong to me..