23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi There, I recently refinanced and paid off the mortgage from United Wholesale Mortgage ( UWM ), and have requested to get the balance in my impound account through check. According to the conversation with UWM agents, I was supposed to get the check by last week. After waiting for 2 extra two weeks, there is nothing returned. Here is my loan number, hope CFPB could help with this. 

Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately removed from my credit report to protect my personal and financial information. 
Affected Accounts : XXXX XXXX XXXX  XXXX  XXXX - XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - {$0.00} BankruptcyXXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - XXXX - {$670.00} XXXX XXXX  - XXXX - XXXX - {$0.00} Inquiries : XXXX XXXX XXXX - XX/XX/year> XXXX  XXXX XXXX  XXXX XXXX XX/XX/year> XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX {$1700.00} Inaccurate balance and history reporting on credit account this item does not belong to me and I request to have this inaccurate item blocked and removed immediately from all credit reporting agencies
Product: Credit reporting or other personal consumer reports

In their response to my CFPB complaint - # XXXX - Citizens stated that my mortgage was in forbearance from XXXXXXXX XXXX I applied for this status and was protected by deferring mortgage payments during the pandemic when it was difficult to work. 

In the same letter to the CFPB, Citizens stated that my XXXX XXXX mortgage payment was " past due. '' This is a curious statement to make because in the same letter Citizens states that XXXX I already had been given forbearance status with my successful application. 

Also, there were 7 ( seven ) late payments reported to credit bureaus by Citizens. For one past due payment? And reported four years after the fact? 

It doesn't add up. This needs to be fixed. This is a problem for Americans who were given forbearance and four years later, surprised to hear their mortgage payments were late? 

Is that fair?
Product: Credit reporting, credit repair services, or other personal consumer reports

Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

Resurgence Financial just recently put a legal hold on my bank accounts after I filed Chapter XXXX bankruptcy a couple years ago absolving the debt which is over XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting on my three credit files with a balance of {$710.00}. When I tried to pay this balance they told me they sold the account to XXXX XXXX. By federal law, since XXXX XXXX no longer owns this debt, they can not continue to report a balance owing on the debt. 

I verified with XXXX XXXX ( account number XXXX Phone XXXX ) that they now owned the account and that is was not just " placed '' with them. 

I disputed this with the bureaus and XXXX XXXX XXXX XXXX responded leaving this on my files. This is willful negligence of their responsibility outlined in the Fair Credit Reporting Act. And as you well know, Willful Negligence carries a punitive damages clause when sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open auto loan with XXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXXXXXX XXXX. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately called XXXX back and made another payment with a representative. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I have disputed this payment several times now with XXXX XXXX  and they werent responding at all until I just recently disputed it with XXXX, Equifax, and XXXX while giving my supporting evidence and they just responded as verified. I have no control over XXXX XXXX phone system nor did I have any way of knowing that they were obviously having phone errors as a consumer.
Product: Credit reporting or other personal consumer reports

The company is reporting XXXX below on my credit report and said they verified it they did not send me proof that it belongs to me, also who verified it, how it was verified after I sent a letter from the courts stating that they do not provide any credit bureaus with any information. 

Court : XXXX Bankruptcy Reference Number : XXXX Reason : Unverified Bankruptcy
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the persistent presence of fraudulent items despite our repeated attempts to address the issue. As we embark on the multiple attempts to rectify this situation, it is imperative that we take decisive action to eradicate these fraudulent activities. 

Despite the resources and efforts allocated to identify and remove these items, it is disheartening to see that they continue to infiltrate our system. 

I urge you to conduct a thorough investigation into the root causes of these persistent fraud occurrences. It is essential that we identify any vulnerabilities or loopholes in our processes and systems that may be exploited by those engaging in fraudulent activities. Furthermore, I recommend implementing robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Failure to effectively address the issue of fraudulent items not only jeopardizes our organization 's reputation but also undermines the trust and confidence of our customers and partners. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$4400.00} XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXXXX*********** Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXXXX************** Balance Owed : {$14000.00} XXXX XXXX Balance Owed : {$7200.00} CB/VICSCRT XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed XXXX {$3300.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX  XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Owed : {$670.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX Balance Owed : {$14000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$7200.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3200.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix the late payments showing on my Comenity Capital Bank card. I sign in every month to XXXX XXXX XXXX and the months that are showing i am late are the months I sign in but for some reason the wouldnt take my payment. I paid this account that way every month so for this to happen is wrong. I even call XXXX XXXX and they said they can see I login but cant explain why no was payment was taken. I have attached bank statements so you can see there was money in my account to make these payments. The fact that they admitted i login should speak volume. Im asking for forgiveness on these late payment do to the mix up that has happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent Navy Federal Credit Union a certified notice letting them know that all my consumer reports are reporting a late payment for {$21.00} XX/XX/XXXX, and this is a violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ME ( XXXX XXXX XXXX and the person ( NAVY FEDERAL CREDIT UNION XXXX making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history between me and Navy Fed and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. I gave them 10 calendar days to delete the late payment and update my consumer report for XX/XX/XXXX as paid and positive. Based on the certified tracking Navy fed received my letter regarding this matter on XX/XX/XXXX. It is now XX/XX/XXXX and Navy Fed has not complied with the law found at 15 usc 1681a2 ( A ) ( i ) I have attached the Certified Return card, receipt when i mailed it out, the letter that was sent to the CEO XXXX XXXX of Navy Fed, and my Drivers license
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I noticed I had a few negative accounts reporting to my consumer credit report that I did not recognize so I called XXXX, XXXX, and Equifax to have them removed. They all informed me that I needed to file a FTC report and mail it to them. I decided I should send dispute letters instead to validate the debt in hopes it would be deleted with no issues. Unfortunately that was harder than expected, all 3 credit reporting agencies did not remove these items from my validation letter efforts. Discouraged I called all 3 agencies again to see what I could do, thy instructed me to again file FTC ID Theft reports. So between XXXX I filed FTC ID Theft reports for the accounts I did not recognize ; FTC Report Number XXXX XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.
Product: Money transfer, virtual currency, or money service

1. Tranfered {$4500.00} to TransferWise for an international bank transfer ( XX/XX/2020 ) 2. Transfer was cancelled by TransferWise due to missing information. They issued a refund XXXX XX/XX/2020 XXXX 3. I never received the refund and reached out to their customer service XXXX mid XXXX XXXX 4. TransferWise claims to have transfered the money to an account ending in XXXX which is not my account. They refunded the money to an incorrect account. They try to get the money back from this account. In a later statement they claim to have refunded the money to the correct acccount, see transfer receipt. XXXX XXXX of XXXX XXXX 5. TransferWise puts a trace on the money XXXX XX/XX/2020 XXXX 6. I reach out again. They are still waiting for the money to bounce back XXXX XX/XX/2020 XXXX 7. TransferWise asks for payment information and I provide a bank statement ( XX/XX/2020 ) 8. TransferWise asks for a newer bank statement which I also provide XXXX XX/XX/2020 XXXX 9. TransferWise recalls the money from wherever they transfered it to ( XX/XX/2020 ). 
10. I gave TransferWise 5 days to get me my money back before contacting the ombudsman. As of today, XX/XX/2020 I still did not get the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX, XXXX XXXX XXXX Experian. On XX/XX/XXXX I filed dispute letters against XXXX, who inaccurately reported me being 30 days late on my credit card account on XX/XX/XXXX. When I contacted them back in early XXXX, they wrote me back via email and assured me that the item would be removed within 60 days. This did not happen. So, I contacted them again in early XXXX & followed that up with a complaint to each bureau on XX/XX/XXXX. However, it's been 30 days and I have not heard back from any agency. In addition, XXXX not only refused to remove the inaccurate information, they doubled down and now report the same inaccuracy two times now! 

Secondly, I have an additional complaint with XXXX. They are reporting me as being 30 days late on my credit card back on XX/XX/XXXX. Again, I also contacted them back in early XXXX and obtained a written letter stating that the item would be removed. And again no action has been taken. So, once again, I followed up with a complaint to each bureau on XX/XX/XXXX. However, it's been 30 days and I have not heard back from any agency. 

My complaint is that based on their own policies, if after 30 days these complaints have not been verified, these inaccuracies must be removed from my credit report!
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. Or list of inquiries 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

I called the bureaus on XX/XX/XXXX and could not get them to resolve these unauthorized inquiries as I do not recognize them. Please have the bureaus show me the proof such as signed documentations of my approval. Below are the unauthorized in questions. 

XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX/XXXXXXXX Sales Financing Company Inquiry date : XX/XX/2020 XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out since XX/XX/2022 to fix my late payments on my credit report. Ive been told numerous times to dispute with credit agencies but XXXX XXXX keeps validating my late payments. They have yet to fix my concern. This is harming my ability to buy a house and keep good credit. They also lowered my credit limit along with other credit card companies who felt that I may be at risk due to the late payments reported by XXXX.
Product: Vehicle loan or lease

XXXX XXXX is reporting a repossession on my credit reports that is inaccurate. I sent XXXX XXXX  a letter requesting validation of this debt and all documents attached to this account. Here is the tracking to prove it # XXXX XXXX XXXX XXXX XXXX. In return of the letters I received, nothing they sent me matches to the information they are verifying on my credit reports. Not only are they verifying inconsistent information to each credit bureau but they are also reporting a balance they say I owe that is invalid, as well as the last reported date of payment and activity on this account. It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit Berau Transunion and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Transunion supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so Transunion can take those innacurate inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are hurting my credit score and I cant take a home because Transunion is refusing to remove information that is not mine.
Product: Credit card or prepaid card

Dispute {$940.00} over charges for over one year. Over charged XXXX work that XXXX XXXX should be covered. 

XX/XX/2018 charged {$5500.00} by offering to open a new " CareCredit '' credit card at XXXX Office. I walked in for an emergency XXXX XXXX as a new patient. The original assessment was to extract XXXX XXXX  for promised around {$120.00} if I am a self-pay patient. Later, it was escalating to {$5500.00} for a few more works including a XXXX XXXX. I didn't bring any credit card for such expense, therefore, this XXXX  offered me this credit card without interest for 12-18 months. 

Next day, my wife told me that I still have my XXXX XXXX XXXX, and we called them a day after in XX/XX/2018. We was told that they are accepting XXXX XXXX and will bill insurance for the visit. My wife was asking for full refund of {$5500.00} because they should file claims with insurance first without pre-charging patient. 

We did not get any refund until a month later in XX/XX/2018. Plus we only got {$4200.00} refund. This dentist deducted {$1200.00} for a dental service that my insurance should be covered. I called my dental insurance, and was told that my responsibility should be {$50.00} plus 20 %. Total should be {$300.00}. Therefore, we were disputing {$940.00} and asking for refund.This XXXX over charged me for {$1200.00} because she did not follow the insurance guideline about one procedure. She also overcharged a {$260.00} dental work for {$740.00}. 

We have been writing to this credit card company over a year for {$1200.00} refund in order to avoid any financial charges while we were disputing the over charges by this XXXX. We have always received the same rejection. We believe that this XXXX  office got new customer for this credit card company. When the issue raised, they were at the same side to only protect their own interest not customer 's. 
I have been paying my minimum balance to avoid any financial charges. My current balance is {$880.00} which is over the refund of {$940.00} I am asking. Therefore, I will stop to pay any more from this month. 
I already called last year to cancel this credit card which I did not need from the first place.
Product: Credit reporting or other personal consumer reports

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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has refused to comply with FCRA guidelines regarding identity theft and proper procedures when deletion of fraudulent accounts are requested. It has been greater than the 4 days given under federal law. TransUnion has tried to delay the process by requesting documents that were sent with the original complaint and are being sent once again as a reminder of the undoubtedly sufficient proof of my claim.