23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

You XXXX XXXX replied that the alleged transaction you furnished as late was { accurate/ verified } choose the response they used } ] but my previous dispute did not ask you for accuracy or validation. 
On XX/XX/year> you furnished to { XXXX, XXXX, } put the CRA that is reporting the late payment } an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX/XXXX  # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute an incorrect address that appears on my Equifax credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 
Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file. As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My wife, whom Im a joint signature on her checking account, got scammed. Someone hacked her works emails, pretended to be her boss, and emailed everyone asking for someone to buy XXXX gift cards because he was at a board meeting. She went to XXXX got the gift cards, sent them to the imposter. I called Fifth Thirds dispute team who directly refused to file a dispute, saying because she went willingly to the store, theres nothing they could do. Were two broke teachers and the bank refused to help in a fraudulent scam. We lost {$400.00}. Im sure the bank is insured for scams, of which we have the documentation to back it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Acct : XXXX XXXX XX/XX/XXXX Acct : XXXX XX/XX/XXXX Acct : LIBERTYCAREERFIN On XX/XX/XXXX I sent a letter along with a clear copy of my social security card and valid ID by XXXX XXXX XXXX Signature Required to the credit bureaus to verify the accounts and debt on my credit report. ( XXXX ) sent back a letter stating that everything has been verified correctly but is still showing inaccuracies. ( XXXX ) sent back a letter stating they were unable to locate my credit file and to send two forms of identification which was already sent along with the letter of verification on XX/XX/XXXX but is still reporting inaccuracies. And ( XXXX ) has yet to respond to my letter of verification in regards to my credit report but signed for my mailed letter on XX/XX/XXXX and my new credit report is still showing inaccuracies. 
I pay a monthly subscription to XXXX XXXX XXXXnd XXXX XXXX XXXX to receive my credit report every month which will be attached.

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 that the information is inaccurate.
Product: Credit card

XXXX XXXX I had a pre approved FIT Card, this was sent to me around a week or two earlier, there was a processing fee of {$95.00}, so I paid the {$95.00} on XX/XX/XXXX, then changed my mind and called and cancelled, then they told me I would be refunded really quick because it was all done within the first day or so. I have called them several times and several times got a different answer, claiming they sent it and to allow up to 10 business days to which supposedly mid XXXX is when they claim it was sent back to me ... then, I talked to a supervisor who informed me I should be getting my refund within another 10 business days, but if I don't receive it, there is no direct phone # to call to speak to a supervisor, I would have to explain the whole thing again and request another supervisor... well, today is XX/XX/year> and I swear to you I have not received my {$95.00} yet...
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE THE ATTACHED LETTER THAT WAS SENT LAST MONTH TO SPRING OAKS CAPITAL. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT SPRING OAKS CAPITAL IS LICENSED IN THE STATE OF TEXAS TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT. PLEASE SEE THE ATTACHED LETTER DATED AND TIME STAMPED FOR YOUR REFERENCE.
Product: Credit card

I opened a credit card with Synchrony Bank, for a balance of {$700.00} with no interest for 1 year. I was making minimum payments due to Covid then midway through I made a higher payment then the bank lowered the card balance and availability by a couple XXXX dollars. I called to ask the reason for the credit limit decrease and was informed it's their right and if not paid by the 12 month it would be off the new credit limit. Subsequently the year hit and the interest was added which I was aware of. However, Synchrony based the interest of the original card credit limit and not the credit limit they changed the card to midway through. I called to dispute and explore medical/pandemic considerations. 
They mailed the payment history as requested but nothing reflecting the credit limit change and the reason for the current interest. They Subsequently sold the account and locked me out from reviewing the full record. The new debt collector stated that's not something they can investigate because Synchrony said the balance is final. I again asked since they are the new owners they should assume full responsibility and investigate the amount to make sure it's accurate. The male representative said he would consult with a supervisor and call back. A different representative called with the same offer to pay {$1000.00} after explaining the scenario and again requesting a supervisor, she put a representative on who said she was the supervisor but sounded like the same person. She again stated Synchrony sent them the amount and she couldn't change it. That was the end of the discussion and they placed the original amount and full interest on my credit report. They will not investigate they just revert back to Synchrony did it.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple over draft fees applied on my account. These fees were assessed despite having sufficient funds available at said times transactions were authorized. Due to delayed posting of charges and credits I was unfairly charged over draft fees. 
These issues seem consistent with recent findings from the CFPB which identified similar practices by Navy federal credit Union where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices to be deceptive and unfair.
Product: Credit card or prepaid card

I been a customer of Discover Card for Nearly 2 years with a very good payment history. Back in XXXX of 2019 my Discover card account disappeared off my XXXX  Credit Report and XXXX   Credit Report, I informed Discover of this and they told me it would be fixed and now nearly 10 months later it is not. I contacted the credit agency and I was told that Discover needed to file to have the credit reinserted to my credit report which I informed Discover of this several times and I continue to get the run around, it is still not appearing on my credit. Why is it hard for them to just reach out to the credit reporting agency and have the account added back to my credit report so I can get credit for my payment history it is not right and not fair. I recently called in and a month later received a letter in the mail from Discover asking me to fill out a form of what I'm i disputing which they already know what I'm disputing and also on this form it's is asking me to place my Social Security Number and Date of Birth of a piece of paper and mail it back to them, why would I risk putting my personal information on a form and mailing it when they have all of this information, it seems to be very silly and not professional at all. I been dealing with this for nearly 10 months when Discover could just reach out to XXXX   and XXXX  and have my account reinserted on my credit report but instead is asking me to write what the issue is on a piece of paper and mail with sensitive information to them which these days with mail being lost why would I just want to put my information on a piece of paper and place in the mail, Discover is not protecting me the consumer and every time I have asked to speak to a higher manager have always been told someone would call me back and never hear from anyone. Bad customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

The furnisher for this auto loan did not notate this account as disputed as required whenever an account is disputed. Disputed information can not be reported by Equifax if it is not notated as disputed by furnisher.
Product: Credit card or prepaid card

On XX/XX/XXXX I sent Discover Financial Services of XXXX. XXXX XXXX XXXX XXXX, IL XXXX {$2500.00} for a secured credit card with the understanding that after a year I would be eligible for an unsecured card. It had now been 2 years and my card is still not unsecured. It is the only credit card I have that is secured. In my time with them I have never gone over the limit or had a late payment. In fact in most cases I paid off the card every 2 weeks or made a payment at the least. To give some weight to the seriousness of the situation it should be said that year to date XXXX I have charged and paid over {$51000.00} with another major credit card company using an unsecured credit card. So money or ability to pay isn't the issue. It is my feeling that XXXX is using unfair advertising practices to lure customers with the promise of credit building when in fact very few get unsecured cards. The consumers monies are used as an investment tool and no interest is paid to the consumer. The consumer is being taken advantage of. Some would suggest that I simply close the account. The issue with closing credit card accounts is that it is deemed as a credit risk and will be reflected on my credit report as such. I have hedged my bets and will likely leave the monies in place because i expect a class action law suit will by filed for these practices in the future and being part of that would likely net me a nice return. The issue is that most people that need a secured card will not have that option.
Product: Credit reporting or other personal consumer reports

I am currently involved in a civil suit for a force sale of the house that I own with my ex significant other. He ran a credit report with XXXX XXXX using my other house I own as his current address in which he has never lived there to get a better credit score. The mortgage agent knew this address was false and ran it anyway because she is the one who helped me finance the house. Due to the running of this credit score my other 2 houses I own were on there in which one house he has never lived in also. Therefore he committed fraud and than submitted the credit report in his court document and that is how I found out. Now I am unable to check my credit report due to this fraudulent action and am currently in the process of buying a house. This was an act that he did deliberately and I have the report as proof along with thr court. His name is XXXX XXXXfiled a credit report with XXXX XXXX with the report filed by XXXX field. Loan number XXXX ... reference number XXXX by factual data company
Product: Checking or savings account

on XX/XX/2022 I deposited a payroll check via mobile check deposit with huntington bank to checking account ending in XXXX for the amount of {$1300.00}. this account already had a XXXX  XXXX dollars deposited and spent. huntington bank deposited and released {$880.00} but kept a blanket hold on my account refusing me online access thereby skirting the law regarding payroll deposits and holds upon contacting them they informed me there was nothing they could do and a XXXX XXXX XXXX  attitude. This is unfair practice in bad faith and they are certainly doing it en masse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this Complaint due to the fact EQUIFAX fails to do a complete verified investigation. I have attempted to communicate via telephone calling XXXX and for the past 60 to 90 days i have heard mostly their computer systems have either been down and or I can not reach anyone by phone. I have attached a verified letter of investigation for EQUIFAX, to date I have not heard from them in over 90 days. As of XX/XX/XXXX, and the XXXX I see Inquires I do not recall requesting ; moreover on my personal info on Credit file list inaccuracies : YEAR OF BIRTH XXXX, EMPLOYERS : XXXX, XXXX XXXX XXXX I, XXXX XXXX XXXX ; Please remove these items. Under 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: Vehicle loan or lease

Cpi was placed on my loan in 2006 and it raised my payment making it unaffordable. 
Wells Fargo Repossessed my auto because of nonpayment due to increased premium which I did not need I had full coverage. I am out alot more than the XXXX they refunded so far and there refusing outside mitigation. I want outside mitigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I was " Turned Down '' for a new motorcycle loan from my bank all because of a recent " negative credit '' entry that is NOT mine onto my " Equifax '' credit report. 
I am the " Victim of Identity Theft. '' I contacted " Equifax '' and wanted " Equifax '' to send me my " FREE '' credit report from " Equifax '' and " Equifax '' told me that I would have to " BUY '' a copy for $ XXXX!!!
Product: Mortgage

I am a first time homebuyer and bought the home in XXXX. My mortgage was sold to the current lender, Citizens and after the 12 months my insurance lapsed. I was not notified, no calls, no texts, no emails - I get billings about paying my monthly mortgage payment every month, meaning my email works just fine for them to make sure they get their money. 
Citizens did not inform me that after buying my mortgage last year in XXXX that they did NOT have the insurance information and couldn't renew it. Both Citizens and the insurance company admitted that this happens often to first time buyers. Citizens reps on the phone stated they see this all the time, yet, they don't have anything in place for this. I lost my insurance due to this lapse and now my payments went up about {$100.00} a year because of this. I never received any formal communication when Citizens bought my loan that this may happen and no notice that they couldn't contact my insurance company. They then went on to forcibly purchase me insurance at {$1000.00} when my original cost was around {$700.00} per year - currently {$800.00} because of this.
Product: Mortgage

Mr. Cooper ( the mortgage company ) processed my payment due XX/XX/2021 on XX/XX/2021. Today, XX/XX/XXXX, an additional payment was taken from my checking account, but was not posted to my mortgage account. I did not authorize this additional payment. 

Mr. Cooper claims on their blog that they are working with banks to correct this and should have been corrected before the payment was posted. This didn't happen, however. I am unsure how they intend to reverse possible fees incurred without contacting every individual. My auto payment had to be delayed and money had to be transferred from my savings to cover for their error and prevent a cascade of additional financial issues. The time lost and the interest lost is not being offered to me, and I would like to be compensated for this effort. 

Mr. Cooper is a name change for this company, which has had issues previously with billing and just settled with the government on this issue. It appears they haven't resolved their issues with billing and processors, and they should take their customers ' finances more seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to dispute an account on my credit which is not mine that was created before my date of birth. I have tried to contact the company multiple times, but can not reach a human through their automated system trying several phone numbers throughout their website including a specific number given to me on their web page when trying to file a dispute. 

I am also unable to freeze my credit with them online and will not accept the only solution to freeze my credit is through conventional mail. This would not allow me to thaw my credit in time for future use and I do not see it as reasonable.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Loancare ( mortgage servicer ) is falsely listing me as a debtor on a mortgage, however I was never on the mortgage. I believe this is illegal activity on the part of the XXXX XXXX XXXX XXXX as part of the subprime lending crisis. My name was on the Warranty Deed only, never on the mortgage. LoanCare has fraudulently reported to credit agencies that I am in default even though the debt/mortgage is not and has never been in my name. 

My credit rating has been severely and negatively impacted as a result of LoanCare 's falsification, which is a very serious matter. My credit rating was previously Very Good-Excellent before LoanCare 's false report. 

The service company name and address : LoanCare , LLC XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are erroneous and suspicious. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$3100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXXXXXX XXXX  shows up on my credit score as being NOT Paid/Paid LATE. I told XXXXXXXX XXXX to tell Eqifax, XXXX, and XXXX to REMOVE themselves from my credit score because I AM A VICTIM OF IDENTITY THEFT and FRAUD. SEE POLICE REPORT. MY CREDIT SCORE IS DAMANGED. THEY NEED TO REPORT TO ALL XXXX AGENCIES NOW TO REMOVE. 

THEY NEED TO REPORT TO ALL XXXX AGENCIES NOW TO REMOVE.