23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX sold my mortgage 's servicing rights ( MSRs ) to Specialized Loan Servicing ( SLS ) on XXXX/XXXX/2017. None of my insurance information transfered over and SLS sent a letter stating I did not have insurance and stated it was a condition of my loan to have insurance. I provided the Condo Master policy and my Condo unit policy. The Condo unit policy had just been renewed and the new policy information had been sent. On XXXX XXXX, 2017 SLS sent me a letter indicating they were charging me {$200.00} for the lapse of insurance from the date of their loan acquisition, XXXX/XXXX/17 to the beginning of my new policy XXXX/XXXX/2017. This administrative error as part of their MSRs purchase should have been handled in another manner and no mortgage customer should have been charged due to their inability to maintain the documentation from the previous servicer.
Product: Credit reporting

I have no knowledge of said debt, other than XXXX and XXXX, and I would like it removed as it 's reporting to the CB and negatively affecting me
Product: Debt collection

The nature of my concern : I received a call and voicemail from XXXX XXXX from XXXX XXXX XXXX XXXX XXXX stating I owed a debt on XX/XX/XXXX regarding a debt they were trying to collect. The FDCPA requires the collection agency to send me a validation of debt with the first 5 days of XX/XX/XXXX which XXXX XXXX XXXX XXXX has failed to do. I disputed the debt and as of today XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX has failed to send me an itemized bill, or validate the debt. 
On XX/XX/XXXX, I received two calls from XXXX XXXX XXXX XXXX from a number they have never used before and they failed to leave me a voicemail stating who they were. I answered another call from them and a lady stated she was from XXXX XXXX XXXX XXXX Pre-Legal Department. I notified her that I disputed the debt, and the phone call ended. 

XXXX XXXX XXXX XXXX XXXX has left my voicemails and called me on XX/XX/XXXX 2 voicemails on XX/XX/XXXX 1 vm on XX/XX/XXXX 1 vm on XX/XX/XXXX 1 vm on XX/XX/XXXX 1 vm XX/XX/XXXX This is despite the fact on XX/XX/XXXX I disputed the debt and per the FDCPA, XXXX XXXX XXXX XXXX XXXX was to stop all communication with me and collection efforts until they mailed me a validation of debt notification. 

Also on XX/XX/XXXX they violated the FDCPA by contacting me without notifying who they were, what there business was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit report I found an inaccurate late payment from XXXX XXXX on XX/XX/XXXX that was reported on Experian XX/XX/XXXX. This late payment was never on my credit report all these years until XX/XX/XXXX. How can this late payment be accurate when in XXXX XXXX XXXX XXXX XXXX I had good payment history. Experian XXXX  and XXXX  is reporting this account inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX added two collection accounts to my credit reports in XX/XX/2020. I have disputed these accounts with Experian at least four times. The first three times Experian took approximately 2 to 3 days to " investigate '' and then notified me that both accounts were verified as accurate. I have not been able to speak with anyone to see exactly how they " verified '' this. I sent them a copy of the letter that was mailed to XXXX asking for verification that this was my debt in the form of my signature. I uploaded the forms received from XXXX to Experian. This included an itemized statement for {$1400.00} that not only did not contain my signature, it did not contain my name on the actual statement. Experian still verified this account as accurate and it remains on my credit report. The itemized statement for {$290.00} does not contain my signature and contains a XXXX XXXX XXXX policy number that does not belong to me. As previously reported to Experian, when our daughter had XXXX all of her medical bills that went unpaid after insurance went on my husband 's credit - not mine. She is on his insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off : XXXX XXXX XXXX {$0.00} Collection : XXXX {$8300.00} Repossesion XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

Dear Sirs, I, XXXX XXXX XXXX, customer of XXXX " XXXX Bank '', XXXX, XXXX, which has a corresponding account in Bank of America , N.A . 

XXXX I made a wire transfer transaction from XXXX Bank, XXXX. ( Please, look through attached file ) to my account at XXXX Bank. 

wire transfer XXXX from XXXX XXXX USD XXXX XXXX XXXX XXXX Unfortunately, the transfer has not still arrived at its final destination, it is at Bank of America corresponding account now- as far as XXXX Bank informed me XXXX It also provided me with the details of its current location- and that Bank of America received additional information about the wire transfer on XXXX. 

I have to tell you, that it is not a pleasant surprise for me to wait for such a long time for my money, i hope you understand my feelings. 

Please, be so kind, provide me with the information about the possibility for me to receive the transfer as soon as possible because it is really important for me as I borrowed it from the bank for not a very low % ( 21!! ) need to pay from this money for my moms needs as soon as possible. 



Please, Do not hesitate to contact me if it necessary.
Product: Credit card

I have a credit card called Care credit. It is a credit card that has no interest if you pay off your promotional balance within a said amount of time. I would only assume that all my payments would go to pay off the oldest balance. However I found this not to be a true statement when I was charged an absorbance amount for interest. I called to see what they balance had not been paid down and or off and they stated that I must call in each month and allocate where I want my payments to be placed. Ive never heard of such a practice. I called and demanded that they credit the payments I 've made since XX/XX/2015 to the latest running balance and was told they could only allocate for the last 6 months there for im being charged XXXX in interest.
Product: Credit card

I am filing this complaint against Citibank regarding an unauthorized charge on my account. A merchant enrolled me in autopay without my explicit consent and subsequently charged my card without my knowledge. This charge is fraudulent, as I did not authorize the autopay enrollment or the subsequent transaction. 

I have contacted Citibanks Executive Response Unit and requested a reversal of the charge, waiver of associated interest and fees, and written confirmation of the resolution. However, I have not yet received a satisfactory response. Attached are the email from the merchant notifying me of the autopay enrollment, my communication with Citibank, and proof of the unauthorized charge on my account statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, On XX/XX/2022, I sent via Certified Mail Return Receipt Requested a letter to Transunion listing all the errors on my credit report that they have been reporting for years. On or about XX/XX/2022, I mailed, via regular mail, a copy of the above-mentioned letter again given that I did not receive a response from them. to no avail. 

For your ready reference, I am attaching a copy of the letter I sent to Transunion to no avail. Transunion illegally keeps on reporting erroneous information on my credit report.
Product: Consumer Loan

I sen t Capital One Auto a let ter concerning an account that someone had opend in my name without my permission. As of today they have not responded nor taken steps to remive the information from my credit report
Product: Debt collection

The debt in question is over twelve years old. This debt is time barred and Wall pass the statue of limitation for the state of Virginia.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my inquiries, and need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system
Product: Debt collection

Paid {$450.00} in XXXX 2017. XXXX XXXX XXXX  still reporting negative on credit report and claim they cant remove paid account off credit report but updated as paid. Not following the Fair credit act. I am aware XXXX XXXXe bought my debt online XXXX XXXX hospital sold account. XXXX XXXX hospital is VIOLATION my HIPPA rights to give information to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

YOU ARE IN VIOLATION Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter and to add on that they are at fault when it comes to reporting these matters. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
1.Account Name : XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX 2. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received communication from a company by the name of XXXX stating they owned this debt and were collecting. On XX/XX/year> I disputed this account on my credit Due to it showing a XXXX capital listed and not XXXX who contacted me. XXXX and Equifax as well as XXXX capital responded with it meet FCRA and would remain reported.
Product: Debt collection

A company named XXXX XXXX hired me for a new position, prior to my start date I had to do a few cases to show I was capable for the job. The last case was to purchase cell phones and mail them to their XXXX XXXX  office. I purchased 3 cell phones, 2 cells phones with a charge of {$2000.00}, and 1 cell phone with a charge of {$710.00}. and both were shipped to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. They gave me two accounts that were supposedly their business accounts, one to pay off my credit card and purchase one XXXX, the other to pay the credit card I used to purchase the other 2 phones. 

About a week before my employment start date I realized all payments that were made by my new business credit account to my Capitol one credit card was reversed, and payments made removed four weeks after paying off the card, but also the company was fake. so I lost my job, but they also stole {$2700.00} plus fees from me Capitol One has done nothing to help me these past 5 years. I was clearly a victim of Identity Theft and fraud, which occurred on XX/XX/2018, and was reported to XXXX XXXX XXXX POLICE DEPARTMENT : on XX/XX/18, REPORT NUMBER : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one notified credit bureaus I didn't pay on time, I made my payment on XX/XX/2020, payment wasn't due till XX/XX/2020, credit bureau drop my credit score by 50 points, tried to get it correct but nothing was done, my credit score dropped by 50 points, credit score was around 670 at the time, I want my credit score restored by all three credit bureaus to the correct credit score, before XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple dispute issues with XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V TRANSUNION XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX and TransUnion for XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XXXX XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XX/XX/XXXX would be for you to furnish XXXX bank statement proving when my payment was accepted. Congress states in XXXX v TRANSUNION XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report. According to my credit report, I have several negative items on my credit history that I believe to be inaccurate. 

Firstly, the charge off account with XXXX XXXXXXXX ( XXXX ) is not accurate. While I did have an account with them in the past, I was never informed that it was going to be charged off. Furthermore, I was not given any notification of the balance that was owed on the account. 

Secondly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I do not have any recollection of ever having an account with them. 

Thirdly, the charge off account with XXXX XXXX XXXX  ( XXXX ) is not accurate. I had paid off this account in full, and yet it still shows up as a charge off on my credit report. 

Fourthly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I have no recollection of ever having an account with them. 

Lastly, the collection accounts with XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) are not accurate. I have never received any notice from either of these companies regarding any unpaid bills. 

I believe that these errors have violated my rights under FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. I demand that the inaccuracies be removed from my credit report immediately. 

I look forward to your prompt response and resolution to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I am writing to formally file a complaint against Chase for their failure to resolve an issue with a ticket purchase and their subsequent refusal to provide a refund. 

On XX/XX/year>, I purchased two tickets through the Chase 's Travel portal for flights scheduled from XXXX to XXXX on XX/XX/year>, and from XXXX to XXXX on XX/XX/year>. The original XXXX  for these tickets was XXXX and TRIP ID XXXX XXXX. 

When booking the tickets, I mistakenly entered my wife 's married name instead of her maiden name, which is the name on her passport. Realizing this error well in advance, I contacted Chase Travel two weeks before our scheduled departure to request a name correction on the ticket. Despite my timely request, Chase Travel was unable to correct the name or offer any viable solution to rectify the situation.

As a result of their inability to address this issue, my wife was denied boarding despite having all of the documents and I was compelled to purchase a new ticket for my wife at the airport on the day of the flight, incurring additional, unforeseen expenses.

Since then, I have been in continuous communication with Chase Travel for over a month, seeking a refund for the original ticket. Despite my persistent efforts, they have neither provided the refund nor offered any concrete resolution. Instead, they continue to attribute the delay to the airline and have not given me any clear next steps.

Given the circumstances, I am requesting a chargeback for one ticket at original price, amounting to {$1200.00}. This request is made in light of the financial burden and inconvenience caused by Chase 's failure to address the issue promptly and adequately.
Product: Mortgage

Our mortgage with Rushmore Loan Management Services was paid in full in XXXXXXXX XXXX  when we refinanced with another company, but they never filed a Release of Lien with the Recorder of Deeds. This is a defect of title which will preclude us from taking out a home equity loan, refinancing our home or even selling our home someday. When we tried to call Rushmore Loan Management Services the number is not in service but they provide another number XXXX ( Rushmore Servicing ) which is fully automated so you can not speak with a representative if the computer can not locate your account number. The computer couldn't locate our account so it would not ever let us speak with a person. I did, eventually get in touch with someone at Rushmore Servicing by calling a number intended for another purpose and they told me that Rushmore Loan Management, " Sold off their name and they are defunct and we have no record of your loan. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX, Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX 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 or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Name : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

Portfolio Recovery attempts to collect a debt that I have no knowledge of. From previous contact with the collector, the address provided on a letter that was supposedly sent to me has never been a resident of mine. Case File XXXX In The Matter of Portfolio Recovery vs CFPB there is lack of documentation and no Lawful verification was done. Therefore, the information is not sufficient to form an opinion as to the truth or accuracy of Portfolio Recovery ' s claim. I request Portfolio Recovery to produce the original signed contract between the original company and I. Also produce a copy of any modifications to those terms agreed to SPECIFICALLY by myself. Please provide proof that Portfolio Recovery owns this debt and a contract showing an agreement between myself and the collecting company. Whereas no relationship exists between Portfolio Recovery and I and whereas I never signed a contract or agreement with Portfolio Recovery, I cite Lack of Privity. The referenced account should be removed from my credit report immediately. The collecting company continues to violate my consumer rights.
Product: Student loan

All of my MOHELA/XXXX accounts were removed and then added back, causing my score to drop over XXXX points despite no change in activity at all. This is unlawful. My credit score should not have been affected, regardless of what MOHELA/XXXX is doing within themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below are the accounts that need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX reported duplicate on my credit report ), XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX XXXX, and XXXX/XXXX XXXX, accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP