23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We purchased a home in XX/XX/year> for our new primary residence, it needed some interior work, COVID was still in full swing so there were permitting challenges, supply challenges etc. and so we weren't able to move in right away. 
Over the next 18 months, our mortgage was sold 3x with various paths of autopayments etc. During the transition between what turned out to be the last sale to the current servicer ; Carrington Mortgage Services and the previous servicer XXXX we paid the wrong mortgage owner through autopayments - XXXX, but set up all correct payments moving forward XXXX, XXXX XXXX etc. What we didn't realize from our statements was, Carrington was considering this XXXX payment as missed and instead of our monthly being the same as it had been- we needed to pay double one month to catch up from XXXX. This wasn't part of our auto-payment set up either. So as far as we knew, we were all caught up until our banking Credit alerts went crazy with a drop in scores. All previous servicers were e-comm but Carrington was sending letters to a house that was empty because COVID/interest rates/supply chain/ continued to hamper the remodel efforts. We immediately paid the difference and requested a review of the situation with letters, faxes etc to their remedy department to remove the late payment because we believe we were within out window granted by mortgage sale and we don't believe we were effectively notified by XXXX or Carrington.

Our credit score has been hammered by this one missed payment which we believe was paid in good faith and within the 90 day window. We would like it removed from our score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am filing this Complaint for incorrect and misleading information.
Product: Credit reporting or other personal consumer reports

I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.

Items below should be deleted as soon as possible due to identity theft : Addresses : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process. 
The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Product: Prepaid card

I discovered that my card and account were compromised on or about XX/XX/year>, when a purchase I was trying to make was declined. 

I went to the banks website www.MyPrepaidcenter.com and saw that a new card was requested. 
This was not done by me, so I called the bank, and the automated system said that a new card had been mailed to me. 
I called and tried to find out what was going on but the customer service could not verify my address so they could not give me any details. 

It took me several days of repeat calling to get a representative to finally tell me that the address they now have is not any of my addresses on file and that is why I did not receive a new card. 

After another few days I was able find out that someone changed my address and disabled my alerts. 
I have sent the bank all the information they have requested but they just keep saying they will get back to me. 

The email balance I receive weekly on XXXX was {$5800.00} and on XXXX was down to {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$0.00}
Product: Payday loan, title loan, or personal loan

I was not advised of the high interest at the beginning. I borrowed {$620.00} and have paid {$1300.00} dollars so far and headed toward {$3000.00} to pay back
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing rhis complaint regarding the delayed correction of late open accounts with your company. 

I have yet to receive any updates or resolutions regarding the status of my account opening requests. Given the urgency of this matter and the impact it has on my ability to access and utilize your services, I am reaching out once again to request immediate action. 

The prolonged delay in correcting these late open accounts is not only inconvenient but also reflects poorly on the level of service provided by your company. As a valued customer, I expected a more efficient and responsive resolution to this issue. 

I kindly request that you prioritize the review and processing of my account opening requests to ensure their timely completion. Additionally, I would appreciate regular updates on the progress and expected timeframe for the resolution of this matter. 

Please be advised that the continued delay in addressing this issue may compel me to seek alternative service providers. I trust that you understand the importance of resolving this matter promptly and will take immediate action to rectify the situation. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00}.
Product: Credit reporting or other personal consumer reports

Experian is denying me online access to my credit report.
Product: Vehicle loan or lease

I filed bankruptcy on XX/XX/2018. I also filed a reaffirmation agreement for the car loan. That was all received by Citizens. The have written off the entire amount of the loan. It no longer shows on my credit report. I have tried to make payments but there is no account to make payments to. They are claiming I still owe {$3900.00} but I have no way to pay. No address no account no nothing. This has been going on for almost a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting the Consumer Financial Protection Bureau in regards to an old account which is still appearing on my credit report in violation of FCRA Section 605 with all 3 credit reporting bureaus ( XXXX, EQUIFAX and XXXX ). The account in question is a XXXX XXXX   opened in XX/XX/XXXX. The partial account number is # XXXX ... 

I am contacting this agency after hearing about your effectiveness in forcing credit reporting bureaus to follow the law. I had previously written to them regarding other violations on my credit report but they had inaccurately validated them and I have been slowly fighting those accounts personally in order to have those creditors fix and or remove the inaccuracies and this process has taken a very big toll on my stress levels and it has not been easy. I am finally successful in getting those inaccuracies adjusted and would like to come to this platform regarding this XXXX  account because XXXX XXXX refuses to open a new investigation for me because this card has been closed for over 7 years and it is past the statue of limitation and also because they no longer have my information on file. 

My complaint is that this XXXX  credit card had its final payment made in XX/XX/XXXX. That is over 7 years ago and this account is still reporting to my credit report with countless lates and delinquencies, which is illegal. 
There are other inaccuracies as well. XXXX, XXXX and Equifax have incorrect dates for the LAST payment on this account and it seems illegally re-aged because it is showing that I made payments AFTER its closure in XX/XX/XXXX which I NEVER did. So, for some odd reason this account was illegally aged over 6 months when in actuality the FINAL payment was made in XX/XX/XXXX. This account should have been deleted from my profile completely in XX/XX/XXXX,  according to FCRA law. It has illegally been reported as being paid past its final payment and its closure and this is absolutely incorrect and damaging to my credit report. This account was settled in court in XX/XX/XXXX and I have had no responsibilities to pay them monthly since XX/XX/XXXX.
Product: Credit card

The bank opened an authorized fraud investigation for a purchase that was authorized. This in turn, canceled payment on my purchase and the bank to hold my funds. I was informed they would be there in XXXX  days. Now I'm calling to check on the return, I'm being told the money was given to me when it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for XXXX XXXX credit repair service to provide ways of removing old or incorrect data from my credit reports. Some items were removed except XXXX who first reported that I was on default for 90 days during the timeframe of XX/XX/XXXX-XX/XX/XXXX. I had submitted application for forebearance because I had returned to XX/XX/XXXX school. As you would assume, these items, incorrect or not should have been removed from my credit reports because these items are over 10 years old. XXXX law supposedly contacted them requesting a response but not only did they not respond to me XXXX has yet to remove these items of late payments.
Product: Debt collection

ID XXXX XXXX : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

JPMCB CARD Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
JPMCB CARD Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX OPTION 6 Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, XXXX MD XXXX.
Product: Checking or savings account

Square has treated me with unbelievable disregard. I've complained about unauthorized charges made to my account and my emails went unanswered. They don't even have a phone number. There are no documents. There's absolutely nothing to get help from. They're extremely unaccountable and totally Indifferent and reckless with the customer 's money. This is my last attempt to get my money back or I'll have no choice but to sue them for money owed and damages. Enough is enough!!!! 

Uploaded is picture proof of their indifference and ignorance to my grievances. No phone support, no paper statement, no communication, I hate to cancel cards constantly because I was in fear that someone has my identity or account access because I've had 1000s stolen from me and they couldn't care less.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX XXXX XXXX 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 or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following not metro 2 compliant accounts should be removed : Creditor : XXXX XXXX, XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX  XXXX  XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit card or prepaid card

This concerns XXXX-XXXX .This is my response to their response.Webster bank lie. 
The transfer were on XX/XX/2020, not on XX/XX/2020 like they told.It means that i was on time.They took late fee {$29.00} for this.I do not agree with their decision.They have cheated on my.Dear CFPB please see download from my account.
Product: Debt collection

As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for AFNI license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101.  AFNI does not have a license in the state of TENNESSEE. Their license expired in  XXXX   XXXX ,    2016. T hey can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-105 st ates no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES A CT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each   location at which it conducts business a location  manager who ha s submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES AC T 62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  AFNI is  in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
Product: Credit reporting

I contacted Equifax after receiving documentation from XXXX XXXX XXXX that they have removed their listing from my credit file after their investigation. The XXXX listing has been removed from XXXX and XXXX. Equifax is the only credit bureau reporting the old XXXX listing. XXXX XXXX XXXX is the owner of the XXXX Account. I contacted Equifax and advised them of this and provided documentation and requested that the XXXX account be removed from my credit file. When XXXX sold the account, they sold their rights to the account. Previously, they updated the date reported on the account after a previous dispute. The date reported is not what is disputed and when the company sold the account they sold their rights to update it. I then spoke with the Fraud department and spoke to supervisors who requested me to fax in the documentation and that they would remove the account upon receipt. They did remove XXXX XXXX but they have not removed XXXX. I was advised that I needed to get a letter from XXXX advising that they sold the account to XXXX and they sent me one via fax. I have also sent the affidavit that XXXX used to remove their listing. This account is too old.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :
Product: Checking or savings account

I opened an albert account to get a pay advance back in XXXX, I never got the advance and never signed up for anything. I then on XX/XX/21 saw a charge from my back account, since I never borrowed anything from them or signed up for anything I attempted to reach out to them. Come to find out they have no customer service number for you to call just a text robot help. I then just requested then to disconnect my bank account and close the account since I have never used their services. For a whole month I have been going back and forth with this robot chat person to have the account closed, but after countless times I have been told it would be closed it still has not and today I was charged a {$29.00} overdraft fee for something I did not authorize so now its a fraudulent charge
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding [ Transunion ] 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite my proper notification and submission of required documentation. 

Statement of Pertinent Facts : On [ XX/XX/XXXX ] Complaint # XXXX, I submitted a dispute regarding several fraudulent accounts on my credit report. I provided [ Transunion ] with all required documentation, including : A valid identity theft affidavit ; Proof of address ; A copy of my government-issued identification ; and Despite this, [ Transunion ] failed to block the disputed items within the four business days required by FCRA 605B . Instead, they stated that the accounts in question were " verified '' without providing the sources or evidence used for verification. [ Transunion ] 's response not only lacks transparency but also contravenes their obligations under 611 to conduct a reasonable reinvestigation and provide documentation of their findings. 

Legal Basis for Complaint : Non-Compliance with FCRA 605B : Under 605B of the FCRA, credit reporting agencies must block information resulting from identity theft within four business days after receiving proper documentation. [ Transunion ] 's refusal to comply with this requirement constitutes a direct violation of federal law.

Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) : [ Transunion ] failed to adequately investigate and substantiate their claim of verification. The FCRA mandates that credit reporting agencies provide detailed information regarding their verification process, including the furnishers or third-party entities relied upon. This failure undermines my right to transparency and accuracy in credit reporting. 

Precedent Case Law : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Establishes the responsibility of credit reporting agencies to ensure accuracy and address identity theft disputes promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Affirms the consumer 's right to a fair investigation of disputes. 

Summary of Noncompliance and Violations : [ Transunion ] 's inaction reflects a pattern of non-compliance with statutory obligations and a disregard for the legislative intent behind the FCRA, which aims to protect consumers from the severe repercussions of identity theft. Furthermore, [ Transunion ] 's failure to comply with the CFPB 's XXXX bulletin on handling identity theft complaints exacerbates this issue.