23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The company is Rocket Mortgage. I went onto my mortgage account page and was immediately stunned because there was a big change in my monthly payments. 

I contacted Rocket Mortgage and was told that what happened is that they accessed my escrow, mainly the county taxes on a way lower tax amount then they should have and that I will either need to pay a lump sum of what I owe or pay it spread out over 12 months. Now my monthly mortgage payment is way higher then expected which is going to cause a definite hardship to my life. 

Now my new monthly payment which is coming up in XXXX, is being based off of this much higher tax amount PLUS the large shortage. The large shortage is in the amount of {$4200.00}. 

Before this change my monthly payment was {$550.00} and now its a whopping {$1100.00} because I can not afford to pay the {$4200.00} in a lump sum payment so now it's going to be spread over 12 months on top of my higher tax rate. 

So now I'll be struggling for an entire year because I have utilities, credit card bills, car payments to pay on top of this. Not sure how I'll even afford to eat. 

My new Mortgage payment would have been around {$790.00} ( affordable ), if they had calculated more accurately on taxes. Now I must play catch-up and pay {$1100.00} every month for an entire year to pay the {$4200.00} off. 

If this was a small change it wouldn't be much of a problem but I feel like this is a large difference and due to rocket mortgage I now have to struggle to keep my home.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

I had a legal name change on XX/XX/year>. I've taken the steps to get my name updated with the appropriate agencies, to include Social Security Administration, driver 's license, birth certificate, and all of my financial accounts. XXXX and XXXX XXXX have long since update my name on my credit report. Experian however, has not despite being sent the information they requested on more then XXXX occasion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is my score with yall 100 points less then the other credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$10000.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Product: Credit card

Payments to credit card take over a week to post from within the same owner accounts; checking to credit card. Money from checking account is taken immediately but more than a week to post to credit card account. This is in sharp contrast to my other credit union that posts the payment to the credit card immediately.
Product: Credit reporting, credit repair services, 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. Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : 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 an 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. 

acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 168115 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit Which is a violation. This is preventing me from qualifying for buying a house with my family. 
My address is only XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX. Any other address is not my address. I attached my previous credit report to show where Experian, XXXX, and XXXX violated my rights.
Product: Student loan

below is my loan status. I have had these loans since XXXX. The interest is over 13 %. Im paying over {$360.00} per month. It is not reducing. I have called to let them know that my father should be taken off my loans which they never have done. He is now deceased for over a year and hes still on my loans. These are not obtainable to repay. I was unaware in my XXXX that the interest rate was going to be so high nor was, I aware that these monthly payments were going to be so high. This is not my only student loan. I am only a XXXX which is now not XXXX due to Covid. And I am struggling to make these payments. Below is my full loan history/status. This is a bad loan that can never be paid off without going bankrupt!!!!!!!! I can not believe theyre allowed to give someone such a debt that can never be paid when youre trying to start your career and do the right thing by going to college just to drown in debt that is more than what you get paid annually. I also have a child that is about to go to college in four years. 

Loan Status Repayment Repayment Plan Full Principal and Interest Repayment Start Date XX/XX/XXXX Estimated Payoff Date XXXX/XXXX/XXXX Ready to pay off this loan today? 
Here are the amounts : Online {$23000.00} By U.S. Mail {$23000.00} Unpaid Principal {$23000.00} Unpaid Interest {$180.00} Current Balance {$23000.00} Interest Rate 13.250 % Interest rates on private loans are set by the lender. 
Interest Type Variable Total Accrued Interest {$17000.00} Loan/Borrower Benefits Option Automatic Debit Benefit Status Awarded XX/XX/XXXX Loan Type PRIVATE School XXXX XXXX XXXX  Current Owner NAVIENT PRIVATE LOAN TRUST Disbursement Date XX/XX/XXXX Original Principal {$23000.00} Cosigner XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/year> XXXX limited closed my account because I used wise to trade XXXX. I wrote a complaint to them to get the remaining money in my account but they did not accept it. They said there was a claim against that amount and it would be returned to the claimant. However, as of XX/XX/year>, when I asked them to send me a statement, the money still remained in my account and had not been returned to anyone else. I will attach their final decision and my account statement as of today XX/XX/year> below
Product: Credit reporting, credit repair services, 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 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 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

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$2200.00}, XXXX CARD XXXX Balance : {$4100.00}, CHILD SUPPORT ENFORCEM XXXX Balance : {$6600.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00}, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The
following items need immediate attention : XXXX XXXX XXXX  acc number XXXX I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I originally submitted a CFPB complaint on XX/XX/2019 relating to an account with XXXX XXXX XXXX, a company that I am not familiar with, after I reported this issue to an Equifax rep. during a phone conversation. Equifax initiated an investigation that same day ( XX/XX/2019 ) and the report was completed on XX/XX/2019. An updated credit report/results were mailed to me and the report states " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. '' Equifax did not provide any evidence of additional documents for me to review from them nor this company to confirm this statement. The only information that I have from XXXX is a detailed itemized medical bill for XXXX XXXX XXXX, a XXXX-year old male whom I have no relationship nor knowledge of. This bill is extremely detailed and contains his personal protected health information. 

I have already disputed erroneous account with XXXX, XXXX  and also Equifax however Equifax is the only agency that has not removed this account or truly investigated this company 's deceptive practices.
Product: Credit card or prepaid card

The Home Depot has cash my official bank check of {$500.00} has haven't acknowledged that they cash my check. I wrote to the customer service with proof and fax to the Resolution Expeditor Executive Team this bank is playing games with my money. I don't understand Citibank this has been a nightmare for this senior. 


account # XXXX Citi : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Pa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt that I do not owe them. They illegally purchased my information from CHECKMATE. Further more they are reporting this false information to all 3 credit bureaus. I have no contract with XXXX XXXX XXXX them and CHECKMATE are in violation of 15 usc 1681 and 15 usc 1692.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, have 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 recently reviewed my credit report and identified several items that I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if disputed information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the information. 
I request that you investigate the following items and take immediate action to correct or remove them if they can not be verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please complete your investigation and notify me of the results within 30 days of receiving this letter, as required by the FCRA. Once the disputed items are modified or removed, kindly send me an updated copy of my credit report. 
Thank you for your prompt attention to this matter. Should you require any additional information, please feel free to contact me.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report in XXXX I noticed several unfamiliar accounts and a large loan I hadnt applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hitsomeone had stolen my identity. The thief had used my personal information to open credit cards and rack up XXXX in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of financial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX XXXX XXXX  in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the XXXXXXXX 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

To Whom It May Concern, I am writing to formally dispute several inaccurate accounts on my credit report, which I believe resulted from identity theft and errors in your credit reporting process. These issues align with the violations detailed in the CFPBs lawsuit against XXXX, including inadequate investigations and improper reinsertion of inaccurate information. These errors have caused significant harm to my financial well-being. The following accounts are inaccurate or fraudulent and must be removed from my credit report : XXXX XXXX XXXX. ACCOUNT # XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX. ACCOUNT # XXXX, Opened XX/XX/XXXX. XXXX XXXX XXXX XXXX. ACCOUNT # XXXX, Opened XX/XX/XXXX. These accounts violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) due to : 1. Failure to Conduct Proper Investigations : Transunion failed to perform meaningful investigations as required by the FCRA, instead relying on uncritical acceptance of furnishers responses. 2. Reinsertion of Inaccurate Information : Some of these accounts were previously removed but reappeared without proper notification or validation, violating FCRA procedures. XXXX. Failure to Notify and Provide Results : Dispute resolution notifications have been vague, inconsistent, and inadequate. I demand the immediate removal of these accounts and request : Fcra 605B ( 15 USC 1681c-2 ) 1. A full investigation report for each disputed account, including verification methods and furnisher contact information. 2. Written confirmation of permanent removal of these accounts. 3. An updated credit report reflecting these corrections. Failure to address this promptly will compel me to file complaints with the CFPB, FTC, and state attorney general. Please respond in writing within 30 days, as required by the FCRA. Sincerely, XXXX XXXX
Product: Checking or savings account

I ordered chime debit card, added monies, called chime to cancel and refund my {$50.00}. Provided all my info, cant access account because I changed phone numbers and moved and dont remember password and they want to send to old phone ( which I dont have ), they are XXXX. Ive provided my card number but since I couldnt remember my last XXXX. Transaction, they denied giving $ $ back!
Product: Mortgage

This was/is a FHA loan and as such is insured against a total loss. This house is still in my name and not has been foreclosed upon. As a result I am not able to acquire a new loan or property under FHA 's guidelines due to the existing FHA Account number which is managed under XXXX. 
Wells Fargo needs to release my obligation and connection to this property and clear my XXXX record back to when the BK-XXXX7 was filed 2009, or at a minimum 3 years from when I filed which would be the penalty if they had settled with HUD.
Product: Checking or savings account

XX/XX/XXXX, XXXX chime closed my account right out of the blue. i was hacked earlier in XXXX and they had to return the funds to my account. In my credit builder account I had {$640.00} and some change in my accoint and now they are refusing to refound the money. they said something about i didn't abide by the user ageement but they will not explain to me what i have done or what that means. i am behind on my rent because of this company. they are refusing to refund and return to me my social security XXXX money that i receive every month.
Product: Vehicle loan or lease

I called American Honda finance back on XX/XX/2017 to ask for a special payment plan because I was in between jobs and I needed help. They stated that I did qualify since I had such a great payment history for the last 2 in a half years. They asked me if I wanted to initiate this payment plan and I said yes. Then they said they would temporarily remove me off of easy pay and to call back in XXXX to add me back on easy pay if I wanted. I then call back in XXXX to make sure everything was well and going okay and they mentioned XXXX behind 2 months! I asked why and they said i never called back to initiate the payment plan! My credit score enemy down XXXX points!! They dropped the ball because they asked me to call back if I wanted to get back on easy pay plan. I never said not to initiate the special payment plan!