23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to previous dispute of the unverified negative items on my credit report. On XX/XX/2022, I mailed Transunion a letter disputing XXXXaccounts as erroneous ascertified mail with return receipt requested. I received notification that Transunion had received the dispute letter in the mail onXXXX. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the XXXX-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts. 

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ). 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Mortgage

Again Ive requested several times and sent a certified letter, asking for the original copy of my mortgage loan they are not sending me all the documentation of said original loan originated from Beneficial. They are not sending me explanations of said charhes on my billing statement, they keep changing the cost name from Deferred pmts to Lender paud expenses, they still keep adding interest and late fees on my maturity loan but they are the ones that have refused any further payments, They now are charging me Legal fees and letters that my home was referred to foreclosure process before they even, communicated back to my certified letter questioning all these charges theyve also added thousands of dollars on to now their saying Lender payed expenses on my last payoff? Which on my other statements said Deferred payments? They are constantly changing things. And this is totally confusing to me!! Which is it? Its either deferred payments or its Lender paid expenses? Im not understanding then? Or these charges that keep changing weekly? I also want to bring up that my original loan does not have an Eacrow account nor does it say that if Im late paying such taxes that they have a right to automatically change my original contract and add an Escrow account to it. The only thing it states is that if Im late ir default on my Home owners insurance or Hazardous insurance that they can take it up on themselves to put this in place and charge me for it. Which Ive always had insurance on my home and my taxes have always been payed regardless if its late paying them. This company thinks they have the right to change my original contract or charge me for things Ive never heard of? I just want my home payed off Im tired of all these charges on my loan that keep adding up while Im trying to get straight answers from them. Ive always paid my mortgage and now that its matured Im having all these problems with all these extra charges? I just want it payed off. I live on an limited income and they know it and I feel they are doing this for me to loose my home Ive paid on for the last XXXX yrs I didnt not have a variable interest rate nor did I have a XXXX Mortgage. So I dont understand how I have a current unpaid balance along with non interest bearing principal balance? They sent me a letter stating the differed payment amount was short interest? That makes no sense? Short interest on what? They never explain themselves? They also sent me an appraisal done by a computer and a few pictures from the bottom of my driveway of the side of my house the information on that so called appraisal is inaccurate. And has one date on it not multiple dates on where they say theyve been driving by my house to do inspections? Inspections on what? Theres no other proof of the charges they keep adding in to my matured balance. I want this to be investigated as XXXX not getting accurate information from XXXX XXXX  or National Star. I keep getting the run around I want answers and I deserve answers if Im being charged.
Product: Mortgage

I shopped around for mortgage companies, even went through the process with my previous lenderXX/XX/XXXX. My real estate agent referred me to Rocket Mortgage as they had a program that would cover all of my closing costs less any costs covered by the seller. There were several issues throughout the process indicating that Rocket Mortgage would not honor its initial program. XXXX XXXX reached out to me and tried to retain my business. After many misrepresentations from Rocket Mortgage and several changes over and over to my Closing Disclosure, they ultimately agreed to beat the offering at XXXX. The night before closing, I reviewed the CD and was attempting to understand why my cash to close was more than the down payment and I had not received credit for the {$2000.00} in earnest monies. I was assured several times both by phone and via email that my cash to close would be limited to the required 3.5 % down payment. 
On closing day, I reached out to Rocket Mortgage and received several disingenuous explanations. They asked IF I had paid the earnest money. The title company, XXXX XXXX, immediately provided proof of funds and we proceeded forward with my closing, four hours after the scheduled time. I even received a refund check because of the excess of my cashiers check. 
Fast forward to XX/XX/2022, I received a notice from XXXX XXXX XXXX informing me that I had no insurance coverage due to non-payment of my premium. I contacted Rocket Mortgage and was transferred from department to department for nearly two hours explaining and re-explaining the issue. I explained it was an origination issue, they transferred me to loan services and continually explained that I just misunderstood the process. They insisted that the funds should come from my escrow account because it was the closing department was told that it was paid. I finally connected with XXXX XXXX and she assured me that she would address the issue. 
As of XX/XX/2022, Rocket Mortgage paid the insurance company from my escrow account when I asked to clarify a resolution on their end and informed them that rather than creating a shortfall in my escrow account, I would pay the insurance company directly and deal with Rocket Mortgage on the origination issue. 
My strongest concern is that I had two other approvals from XX/XX/XXXXas well as XXXX XXXX that were honest and forthcoming in what they could provide. Rocket Mortgage continually offered one thing and misrepresented what could be done leaving me with an additional bill after closing. They lost my {$2000.00} earnest money and told me that I just didnt understand the process. They continue to also misrepresent that it was a misunderstanding for a very basic document indicating that my premium was to be billed to the lender. They should not be allowed to do this.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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. 

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX XXXXXXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit agency is reporting debts, names, addresses, accounts, and social security number variations incorrectly. I filed my complaints several times electronically and by phone. They will not send me copy of my credit report or show me the results of the dispute. Additionally they are showing credit score from XX/XX/2020 and after I have brought this to their attention they still are reporting the same. The investigations are taking well over 30 days and I do not ever get my calls returned. 
This is causing a hardship for my business and my personal life
Product: Debt collection

SPRING OAKS CAPITAL LLC Has already been removed from XXXX, XXXX and XXXX. SPRING OAKS CAPITAL LLC Is aware the debt is not mine and has been removed from all other reporting agencies yet has failed to remove front XXXX XXXX. SPRING OAKS CAPITAL LLC Has no validation that i signed for them to collect debt or that I owe them debt. SPRING OAKS CAPITAL LLC Has violated FCRA standards for past year by failing to provide proof that I owe SPRING OAKS CAPITAL LLC debt. SPRING OAKS CAPITAL LLC Has violated FCRA regulations by not running accurate disputes as this account has already been removed from all other agencies
Product: Debt collection

I have contact XXXX on XXXX XXXX, XXXX due to I have seen a recent charge on my credit report in the amount of {$980.00}. They also have two other accounts closed on my credit reporting the same amount of {$980.00}. I have called and ask to validate the debt. 
I have also fax them the letter to validate the debt and that im disputing the debt also. I also told them its on my credit report and the representative said yes and its not getting deleted as to to reference that, Yes she know and it staying their. 

I received a reply from XXXX on XXXX XXXX, XXXX they letter arrived to my place after that date. the letter they provided is not validating the debt, they only replied with papers showing the amount only. 

I was confused so I call XXXX .I ask Is there anyway they can remove the negative reports from my account because I received a letter Not proving that its my debt, the letter XXXX XXXX only showed 3 account with the same amount that 's not validating the debts and can you please remove the accounts from credit file it is damaging my report. She also said it is not getting removed from my credit report. 

I sent another letter on XXXX XXXX, XXXX stating that This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

On XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX has reported on my credit report that I have a 1 Month term to Pay the debt of {$980.00}. I was not informed Of the term nor was a payment plan discuss because i have not yet received information i have requested. How do i Know if the debt is mines when they are not sending in the requested info. 

XXXX keep FLAGGING MY CREDIT REPORT DAMAGING MY REPORT WITH INFORMATION THE HAVE NO PROOF OF NOR NOT PROVING THIS IS MY DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$160.00}
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was alarmed to find accounts that I dont recognize, and I have no explanation for it. Ive always reviewed my credit report without any issues, but today there were unexpected discrepancies. I even refreshed the browser, thinking it might be a glitch, but the incorrect accounts stayed there. Im asking for a thorough check of the documents I submitted so I can put this stressful situation behind me.
Product: Bank account or service

I opened citigold account XX/XX/2016 with a promotion code which said will provide XXXX TYP points once I make two consecutive monthly bill payment. After I applied the account online, I called to their service center and the agent confirm the offer. After I reach the requirement, I online chat with citi agent, and they confirm I met the requirement, and will receive the points after 3 month from the day I opened the account. When the time came, I did n't receive anything, and I did the online chat again, the agent once again confirm that I will receive the points, and asked me to wait. After another month, I called to the service center, the agent helped me to submit a points request, after 10 days I recieved a mail claimed I 'm not target to the promotion, so I wo n't be able to receive the points. I called another two times, they all end up with a mail with the same not target answer.The third time they ask me to fax the online chat history as the proof that their agent promise me for the points ( they should be able to achieve all those information, since they recorde all the phone call and chat record ), I did saved the chat history, and I fax them the whole chat, but at the end I still on receive the same mail with the same answer. I 'm so fraustrated and end up close the account. But recently, I saw many people got the same situation and be awarded the promised promotion bonus. It 's so unfair.
Product: Credit card

I purchased a XXXX on XX/XX/year> using Capital One credit card. The purchase was for XXXX XXXX for {$110.00} which XXXX advertised being provided by XXXX XXXX XXXX XXXX XXXX XXXX Service provider ) I contacted service provider, I was told to text them and arrangements will be made to provide service. I never heard back from them, I called them many times and left messages but no response. The text went unanswered. I contacted XXXX and they told me that XXXX was redeemed and their responsibility ended there. I file dispute with Capital One but the said that XXXX responded to them saying XXXX was redeemed so Capital One closed dispute. 
I reached out to XXXX via chat ( none of their phone numbers work ) I was to to provide them proof that the service was not provided. I asked how I was supposed to do that, that said get a letter from service provider stating that. I was then disconnected. See chat and timing. I went back into another chat and ask them to contact service provider, I was told they were going to escalate the issue but never heard back. The only thing I got was a letter from Capital one saying I didnt provide requested info in a timely manner and did not provide what they requested. I did I gave them copy of XXXX and all chats.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

US bank purposely withholding my card and not letting me access my money! 
The checking card my per diem went to expired. I should have gotten a card automatically when the old card expired! It never showed up. So Through the bank app I requested a new card several times over several months and kept thinking my wife had lost or misplaced it with the mail. When I finally had enough and called them directly they said they had never sent one because ( some excuse blah blah blah ). I'm like No! That's my money I need to have access to it. Oh we are sorry I will over night the card to you! It will cost XXXX dollars to overnight it to you but we will cover that cost because it's our fault. Call back Tuesday to get your tracking number. Tuesday ( today ) I check my account and XXXX dollars is missing for overnight delivery fee. But the real kicker they hadn't even mailed out the card ( another excuse ) mind you I called Saturday night and was supposed to have my tracking number for the new card on Tuesday. Now they are promised to reverse the fee for overnight and to call again tomorrow for the tracking number! All this time they have all my information and don't know bother to let me know why because they want to keep my money in their bank as long as possible! I can't even go to a US bank and pull out my own money! This isn't the first time they did this to me but it will be the last!! I wasted a lot of time on this already!!! Plus I needed that money! My money!
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX NA - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Transunion blocked my credit report and score for over 7 years so far and they denied me access to my report until now. 
I did file a complaint with cfbp and I have been informed that I was a victim of fraud for 7 years and unil now. 
I can not rent or buy or get any loan for 7 years even car insurance was denied because of them. 
I'm not a victim of fraud for 7 years and ongoing if they keep me blocked from my credit report and score. I became a victim of the froud of Transunion they are running scams and discrimination against me for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX 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, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers license, and W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.