23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I filed a complaint with The XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX, filed a complaint with Consumer Financial Protection Bureau against Rocket Mortgage. As a result of this, Rocket has retaliated against me by blocking my number from their main portal. I am unable to get through from my phone unless I block my number by dialing XXXX. They also threatened to launch a countersuit in court if I seek legal action, which I fully intend to do, for it is my right. Also, Rocket Mortgage failed to remove liens we refinanced to remove twice and consequently, an interest-free corporate advance was completed to remove the lien, leaving the balance hanging over our heads, that should have been taken care of with our equity. Finally, after two years, two refinances and a corporate advance, the lien is removed.Hhowever, the escrow account continues to be short with no explanation as to why. I left messages for XXXX XXXX, my point of contact during the four and a half months it took to resolve the issue as well as XXXX XXXX, the person who issued the threatening response to XXXX XXXX. I informed her on her VM I was unable to contact Rocket due to my phone number being blocked, and that I will be reporting that also. I see now that Rocket is capable of anything and I am afraid for my safety and the well-being of my account. However, it will not stop me from pressing forward.
Product: Credit card or prepaid card

Chase Bank has a promotional offer called " My Chase Plan '' which allows you to pay off large purchase over a period of time at 0 % APR. After making a substantial purchase ( {$3400.00} ) which posted to my account, I clicked on the create a plan tab on the website for my Chase account which directed me to the " start a plan '' option. When I wanted to start a plan, it did not show that purchase as being eligible. Per their guidelines of current purchase being over {$100.00}, it should have been eligible. After several messages back and forth with Chase 's credit card specialists, none of them could tell me specifically why that purchase was ineligible, furthermore there is nothing stating pre-purchase which may or may not be eligible until after you made the actual purchase. The fact that they could not tell me exactly why the purchase was ineligible other than " the purchase can be ineligible for various reasons '' and that the " My Chase Plan '' was clearly available to me since the click to start a plan was an option on the Chase website for my account is purely a bait and switch scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 4. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately
Product: Checking or savings account

So first I head there into M & t Bank today on XXXX XX/XX/XXXX  I went in there to discuss a negative balance that I did not put on there and did not spend that money after I provided them with all the evidence and screenshots and all possible information that I could collect to show them that I didn't make my account go negative they still proceeded to try to tell me that I had to pay the money or I would have to wait for the transaction to complete in order to you know file a refund or try to get some type of dispute started! but I got home today ( XX/XX/XXXX ) and my mother told me that I had a letter from M & t Bank and I open the letter ( dated XX/XX/XXXX ) and it's telling me that my account is actually due for closure on XX/XX/XXXX for some reason and I'm trying to figure out what's going on like is there some type of mark on my name or some type of target against me to where I can't bank with banks like a regular United States citizen I'm just confused and I find is very illegal and I'm really starting to think it's time to get a lawyer, the bank Is refusing to provide me an answer!!!! There is transactions on my mobile app that their system cant even see when they print out my transactions so why is information being hidden and im told i now have to pay? And my account is closing for no reason, why is my account being closed on XX/XX/XXXX the same day i receive invoice from my job. There's no signs of illegal or fraudulent activity on my account so why is this happening to me?
Product: Debt collection

I paid the debt directly to XXXX XXXX XXXX on XXXX XXXX, 2015 for {$240.00}. The collection agency Congress Collection Corp has harassed me by calling me at work and sending threatening letters since that date saying I still owe this debt. They have written a negative message on my credit report.
Product: Checking or savings account

We received a letter this year from the IRS stating that we did not file nor pay our XXXX taxes. We checked our records and found that we did indeed file our taxes for XXXX and paid via check. Upon researching the check, we found that it been altered and cashed by an individual. The IRS did not receive the filing nor the check. Bank of America cashed the check even though it was obviously a fraud check. Bank of America claims that we had only XXXX days to report the fraudulent activity. This would not have been possible as the IRS did not make us aware of this til XXXX years later. A police report was filed.
Product: Mortgage

I assumed a loan on XXXX XXXX XXXX in XXXX of 2024. The closing paperwork reflected a negative {$XXXX} escrow balance on closing documents. That money was collected from the seller upon closing. Simultaneously while signing paperwork to close on the property, Freedom Mortgage XXXX department disbursed payment to XXXX XXXX for the sellers updated homeowners insurance. This created a negative {$XXXX} escrow balance on our newly acquired account. The bank has acknowledged the error multiple times, given me the emails to supervisors & after weeks has provided no plan of action to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint Capital one responded that everything was verified accurate and complete but how if the date they stated the account was charged off was XX/XX/XXXX but the fall off date is XX/XX/XXXX see attached screenshots. 
They said the account was open in XX/XX/XXXX but why does the balance history starts from XXXX? Where is XXXX XXXX and XXXX. It is like that because you have all the information jacked up and won't correct it .You are on notice that you are reporting inaccurate information and violating my rights under the fcra.
Product: Credit reporting or other personal consumer reports

FINAL NOTICE! 

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that are present on my credit report. I have reviewed my report and have identified a number of items that are either inaccurate or unauthorized. I request that these items be removed from my report as soon as possible. 

The first issue is regarding an inquiry made by XXXX XXXX XXXX on XX/XX/XXXX. I have no recollection of authorizing this credit pull, and I demand that it be removed from my report. 

Similarly, I also dispute the inquiries made by XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XX/XX/XXXX, as well as the inquiries made by XXXX and XXXX on XX/XX/XXXX. I have no recollection of authorizing any of these credit pulls, and I demand that they be removed from my report. 

Additionally, I dispute the inquiries made by XXXX XXXX XXXX XXXXXXXX and XXXX XXXX - XXXX on XX/XX/XXXX, as well as the inquiry made by XXXX XXXX XXXXXX/XX/XXXX. I have no recollection of authorizing these credit pulls and demand that they be removed from my report. 

I also dispute the inquiry made by XXXX XXXX on an account number XXXX. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Furthermore, I demand that this account be either fixed or deleted from my report completely. 

I also dispute the inquiries made by XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no recollection of authorizing any of these credit pulls, and I demand that they be removed from my report. 

Moreover, I dispute the accounts associated with the following account numbers : XXXX and XXXX. I have never had any business relationship with these companies, and hence, there is no way that these accounts belong to me. I request that you delete these unknown accounts from my credit report right away. 

Lastly, I dispute the following personal information present in my report, which is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX. Please remove these errors from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint against Credit Management LP, a collection agency that has wrongfully placed a fraudulent account on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 

On XX/XX/year>, at approximately XXXXXXXX XXXX, I spoke with a supervisor at XXXX XXXX XXXX named XXXX XXXX. During this recorded call, XXXX XXXX confirmed that the account in question was under a different name than mine. She assured me that the fraudulent account would be removed from my credit report within 30 days. However, this process has caused me significant financial hardship and undue stress, and I can not afford to wait 30 days for a correction that should have never been necessary in the first place. Not only that XXXX, and XXXX should face consequences as well for allowing the fraudulent accounts to be placed without proper due diligence. 

Under the FCRA, 15 U.S.C. 1681e ( b ), credit reporting agencies and their furnishers are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The continued presence of this fraudulent account on my credit report is a direct violation of this provision. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher is prohibited from reporting information that it knows or has reasonable cause to believe is inaccurate. 

Attached is a letter from this collection company stating there wrong doing and also saying they would remove the account but they did NOT and have not mentioned anything about paying me for the heart ache this has caused as I was denied for my house recently due this error on their behalf! 

Given that it did not take 30 days for Credit Management LP to report this fraudulent account and damage my credit reputation, it is only fair that the account be removed immediately, without further delay. The FCRA also provides that a consumer has the right to dispute incomplete or inaccurate information in their credit report, and the furnisher has an obligation to investigate and resolve the dispute promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

To whom it may concern, I am really frustrated with Bank of America customer service. I am unable to get the right document/letter from Bank of America. 
I purchased two airplane tickets from XXXX XXXX in USA. 
I used Bank of America credit card paying {$780.00} for each ticket. 
Bank of America credit card charged a foreign transaction fee for each transaction totaling {$47.00}. 
I called Bank of America credit card and was informed that XXXX posted payment from XXXX, XXXX and thats why I was charged a foreign transaction fee. 
I called XXXX and they confirmed that their headquarters are located in XXXX which showed/printed on the credit card statement. The airline tickets however had been purchased in USA and no currency exchange was involved. 
XXXX representative assured me that they post all the transactions from the American customers within USA and there are no currency conversion involved. 

XXXX asked to get the document or letter from Bank of America proving that the payments for my tickets were posted from XXXX, XXXX. I was promised to be refunded, if Ill be able to get the proof from my credit card. 
I called Bank of America Customer Service several times in XXXX and XXXX, 2019. Each time I was experiencing extremely long waiting time and difficulty to get connected to a live customer service representative. Several times I talked to regular customer service representatives and the last time I insisted to talk to the supervisor. If Bank of America credit card records the conversations they must have the records of my communications. 
Each time Ive requested the document/letter other than my monthly statement proving that the XXXX payments were posted outside of USA. 
Twice, I received the copy of my monthly statement from the credit card ( see attached ) that I could easily have printed myself. 
Bank of America Credit Card failed to provide any proof/supporting letter that the payment to XXXX been processed outside of USA. 
I have Bank of America credit card for many years. Based on the recent experience with the customer service, I am really disappointed and concerned about the declining quality and level of competence of their customer service. 
Please find the attached copy of my credit card statement which was sent to me twice instead of any relevant document/letter that I requested. 
Would you please help me to get the Bank of America credit card document/letter other than my monthly statement proving that the XXXX payments were posted from outside of the USA. 
If Bank of America credit card fails to provide proof other than mentioning XXXX in my monthly statement, they should refund me foreign transaction fee of {$47.00} Respectfully, Bank of America Credit card holder.
Product: Credit card or prepaid card

Hello. I am still an authorized user on a company credit card that I no longer work for. I left the company in XX/XX/2022 and have filed numerous disputes with XXXX. I have also requested the card to be closed through Citibank. The employer in question does not return my requests as I've had issues receiving my employment records and unpaid wages from them as well. The credit card is currently over the limit which has greatly impacted my own personal credit score. My credit score has dropped XXXX points due to this. The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX.
Product: Debt collection

This company is repeatingly calling my family members multiple times a day in a form of harassment since spring of XXXX. They told my family members I owe to a loan company and are threatening to sue me-that 's harassment, and illegal for them to spread my information. I do n't know what company this is as when I get private calls/voicemails they do not leave a number to call directly. They leave voicemails on my family members and my phone on private calls saying that they are sending somebody to summon me court order papers. That never happened. They are calling my family members more than they are calling me. I heard the voicemail left to me XX/XX/XXXX of a court order being sent to my address in person within an hour, and I have not received any papers. They provided a case number that was not in the XXXX XXXX Court systems ( XXXX ) as of today.
Product: Debt collection

XXXX XXXX company was made aware that my id was stolen and I provided them with a affidavit and police report showing the theft to open up this fraudulent account in my name and the sold it to the Debt buying company and this is illegal I didn't give XXXX authorization to share my personal information with any one and my identity has already been stolen now XXXX  is sharing my information with someone that I didn't give them permission to share any of my info
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we filed a CFPB complaint against all ( 3 ) credit bureaus XXXX, Equifax, and XXXX  as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX " We filed a federal lawsuit against ( 5 ) major banks on XX/XX/XXXX regarding our mortgage for mortgage fraud which are XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  which later was revised to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, vs XXXX  XXXX XXXX XXXX XXXX, et al., Defendants ~ Case No. # XXXX XXXX filed on XX/XX/XXXX IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF TEXAS XXXX DIVISION ~ Judge XXXX XXXX XXXX On that very same day XX/XX/XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in which I precisely gave XXXX, XXXX, and Equifax the Federal Case Number # XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XX/XX/XXXX. However, all ( 3 ) credit bureaus allowed ( 8 ) credit accounts to be closed on my wife XXXX XXXX XXXX and ( 6 ) credit cards for XXXX XXXX XXXX which negatively impacted our credit scores with high interest rates and impossible to get loans much needed for many years. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing XXXX to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all ( 3 ) credit bureaus to have allowed such damages to occur. '' " The response from all ( 3 ) credit bureaus was identical that they couldn't find XXXX on our credit report. XXXX had been removed after Judge XXXX XXXX ordered them to take off the derogatory credit and correct it and it took months before they finished taking it off so by this time we had been affected greatly and we're still struggling to repair our credit. We would like a response when all ( 3 ) credit bureaus will make restitution and repair our credit immediately. "
Product: Credit reporting, credit repair services, or other personal consumer reports

I detected many fraudulent accounts reporting on my credit report. My personal information was exposed in several data breaches in XXXX and XXXX Equifax, XXXX mass data breach. This resulted in my identity being stolen and used to open and misuse fraudulent accounts. I REQUEST THIS INFORMATION BE REMOVED IMMEDIATELY. I Remove accounts in compliance to FCRA SECTION 605B