23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Rocket Mortgage bought my XXXX XXXX XXXX mortgage I had with XXXX XXXXThis property is a duplex with one mortgage. There has been continuous insurance coverage on it for over 10 years. The policies renewed XX/XX/XXXXXXXX XXXX XXXX XXXX, Rocket notified me that I did not have coverage and threatened " lender placed insurance ''. I talked to a Rocket agent. I uploaded the requested verification of insurance as they requested. I received an email and a letter in the mail dated XX/XX/XXXX, stating " Our records show that you have your own policies on the property and we have updated your loan to reflect that. This letter is simply to notify that we have cancelled all steps on our end towards placing a policy on your loan ''. On XX/XX/XXXX we again received another threat of " lender placed insurance ''. I uploaded all the information again of my insurance coverage. On XX/XX/XXXX, Rocket informed me that insurance information has been reviewed and updated. No further action is required at this time. On XX/XX/XXXX, I received an email stating, This email is to inform you that we have reviewed the recently submitted document ( s ) and are unable to proceed with updating the policy information. I feel harassed by Rocket and hope you can help.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment in question was made on time, as evidenced by the attached bank statements and payment confirmation receipts.

There may have been a clerical error in reporting the payment due to inconsistencies between my payment records and the reported information. 
I have confirmed with my creditor that the payment was processed within the allowed grace period. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act. 


This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 XXXX XXXX XXXX XXXX XXXX. US COurt of Appeals for the Third Circuit Court case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( D.C. 
No. XXXX ). 

They refuse to correct information after being provided proof of inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXXXXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I have not been contacted about this negative balance. I believe its through Alpine Credit or XXXX. This account was positive before I closed it and I do not understand why its still negative. I would like to get this issue resolved immediately because it is affecting my credit score immensely. I have had no debt collector call me or any mail correspondence delivered to me.
Product: Credit card or prepaid card

Company : Bank of America Credit Card : BankAmericard Description of Problem : Stolen card so closed account on XX/XX/2019 - paid off balance. New charges came through after that date - paid those. Continued to get bills for a few dollars of interest charges from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX - called to pay {$10.00} via computer which was the entire statement balance. Remained on the phone for a representative to ensure that I would not be getting an XX/XX/XXXX statement. Was told that despite paying what their computer said was the entire balance, I would actually still owe them {$0.00} however they could not bill for anything less than {$1.00}. The first agent suggested that I just sent them {$5.00} to make sure that I did not get another bill. I asked for a supervisor but was told that no one was in the supervisory department so I was transferred to stolen cards ( the issue in XX/XX/2019 ) in Tennessee. She tried to remove the charge of {$0.00} but was unable. Transferred me to West Virginia after one hour and thirty minutes on the telephone in which I tried to make sure that I had paid them all I owed and they would not send me another bill. This agent claimed to have taken the fees from XX/XX/XXXX to XX/XX/XXXX off the card so I would not get a bill in XX/XX/XXXX.  Still waiting to see what will happen. 

Issue : The BankAmericard issued by Bank of America is systematically overcharging customers as you can not pay the balance via computer either by phone or online to pay the full balance. They will continue to charge a few cents of interest from the time the computer charge is updated for the next bill and then will bill no less than {$1.00}. It is impossible to cancel the card, pay them off and move on with your life without constant follow up bills for {$1.00} per month indefinitely.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent the letter below regarding the account listed to all XXXX credit bureaus. I have not received any information or supporting documentation back. Please assist with this matter since I have tried several times : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute and demand validation of the account listed below, which is inaccurately reported on my credit report by your agency. This account does not belong to me, and I request its immediate removal. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), both of which entitle me to verification and validation of any debt reported. 

Disputed Account Information : Creditor : XXXX XXXX Account Number : XXXX Balance : {$5800.00} Date Opened : XX/XX/XXXX Status : Collection/Derogatory This account is not mine, and it should be removed in compliance with the following legal statutes : FCRA ( 15 U.S.C. 1681 ) The FCRA requires that credit reporting agencies ensure the accuracy of information on credit reports. If the information can not be verified within 30 days, it must be removed from the report. I demand verification of this account, including supporting documents that prove this debt is mine. Failure to provide such proof requires that you delete the account from my file.

FDCPA ( 15 U.S.C. 1692g ) The FDCPA mandates that debt collectors provide validation of the debt, including details about the original creditor and proof of my responsibility for the account. Without this validation, continuing to report or collect this debt is unlawful.

Illegal Collection Practices Reporting unverified or inaccurate debts on my credit file violates my consumer rights under both the FCRA and FDCPA. This collection account is not valid, and I demand its immediate removal from all credit reports.

I request that this matter be resolved promptly. Please provide written confirmation that this account has been deleted from my credit report or provide the necessary documentation proving this account is valid and belongs to me. Failure to act appropriately within the legal timeframe may lead to legal action being taken against your agency.

Thank you for your prompt attention to this serious matter. I look forward to your written response and the resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Problem Is With Experian, which is one of three credit reporting agencies. Recently I noticed several different accounts that was opened without my knowledge or consent. These accounts are definitely a result of Identity Theft. I contacted Experian by filing several disputes concerning the accounts in question. They literally answered back the next day stating the companies verified that these accounts are legitimate. I can assure you that, for certain, I didnt open these accounts. I have spent almost 8 months in the hospital, off and on, in XXXX, as well as XXXX. I have XXXX XXXX XXXX in which both my XXXX are covered with XXXX Very often those XXXX XXXX or bleed which is extremely painful. In fact, so painful that when pain meds cant touch the pain without killing me first, I am put under an XXXX XXXX so that I want have to suffer. All the accounts in question WAS NOT opened by me. I also happen to know that several data breachs involved my information. I mean this is quite obvious that my information was stolen, and whomever is responsible for this, is the culprit. And Im sure that they obtained my information from one or either several of the data breaches. I should not have to suffer and pay for something that I didnt do. This whole ordeal has aspirated my XXXX. Im a XXXX XXXX that served in the XXXX XXXX XXXX in XXXX. I have XXXX XXXX XXXX that is so bad, I dont wan na sleep at night. I should never ever be XXXX and for good reason. Its mandatory that I have a visit with my doctor as well as my therapist at the VA. I want every single account in question, that I did not do, removed from my credit profile. This is horrible to deal with, especially in my condition. And I still have the other two credit reporting agencies to deal with concerning this same thing. Please remove those accounts from my credit profile. I should not be XXXX
Product: Credit card

I have a serious delinquent on my account and thats incorrect and need it removed
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XX/XX/year> {$8800.00} Personal Information : NAME : XXXX XXXX XXXX XXXX KNOWN AS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies did not have permission to request my credit report from XXXX, Experian, and XXXX : XXXX - Miscellaneous Finance, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX OF XXXX - Bank Credit XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX XXXX - Credit XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT - Credit Bureaus/Mortgage Processing XXXX XXXX XXXX XX/XX/XXXX XXXX DATA - Mortgage Companies - XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX - Mortgage Companies - Finance, Date : XX/XX/XXXX XXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX XXXX - Mortgage Companies - XXXX XXXX, Date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a loyal customer of XXXX XXXX  going on 6 years I have two credit cards with them on XX/XX/2023 credit karma alerted me that XXXX  XXXX had removed my card account ending in XXXX from my transunion credit report and my score dropped XXXX points because of it I called XXXX XXXX and a representative instructed me to mail out a letter to their disputing department explaining what the issue is and how I would like it to be resolved that same day I went to ups and sent a letter out in the letter I explained that my account ending in XXXX was removed from my transunion report and I would like that account to be added back to my transunion report they sent me a letter through the XXXX  XXXX app that stated their investigation has verified that my account ending in XXXX is currently reporting on my credit report but thats not true the trade line itself is only reporting on my XXXX and my XXXX report it is no longer on my transunion report I need them to add it back because its not the same as reporting the utilization I need the trade line as a whole to be added back to my transunion credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX have consistently abused their assumed power of being consumer reporting agencies. I have constantly reached out to all three bureaus and no action has been taken besides being ignored and making excuses of them needing authorization from me. How many times do I have to ask a company to do a job that they are supposed to do. I have been supplying all of the documentations to prove that I am asking you to do your job.This is attempt # 3.
Product: Credit reporting, credit repair services, 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. I called your department after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. 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. Since it is a necessity by regulation 605b 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, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX , AMEX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}.
Product: Credit reporting or other personal consumer reports

Complaint Against Experian for FCRA Violations and Improper Dispute Handling I am filing this complaint to report Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ) and properly address disputes regarding inaccuracies on my credit report. Despite multiple letters I sent to Experian, they have not complied with their obligations under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). These inaccuracies have severely impacted my credit score and financial opportunities.Additionally, I recently became aware of the CFPB 's lawsuit against Experian for conducting " sham investigations '' into consumer disputes and reinserting previously removed inaccuracies. My experience aligns with these allegations, as Experian has failed to investigate my disputes thoroughly and has allowed errors to persist on my credit report. 

Accounts : 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

this is my 2nd attempt. I am interested in processing disputes for all incorrect information on my credit report with transunion. checking my file ive noticed alot of invalid information that needs to be removed asap.
Product: Checking or savings account

I have a secondary bank account with Chime but I don't always use this account daily so I don't always log into it daily. I logged in on XX/XX/2022 and noticed that there had been a {$190.00} charge that posted on XX/XX/2022 to somebody or some company named " XXXX  *XXXX  '' that I did not authorize. I immediately filed a claim through the Chime app at around XXXX am on XX/XX/2022. At XXXX pm on the same day I received an email from Chime that stated upon their investigation they have concluded that no error occurred and that no funds will be credited to my account and my claim was considered closed. There is no way that a thorough investigation was conducted in that short amount of time. I immediately found a customer service phone number for Chime and called it. It took me several tries to get through to someone but I finally spoke to a XXXX. He looked up my claim and said that he would reopen it since there wasn't a sufficient amount of time between when I made the claim and when it was closed out. I waited a few hours and logged back in to the Chime app and my claim was still closed out and it was never reopened. There is no way this is not fraudulent activity. The merchant name doesn't even look legit and there is no contact information listed to even reach this merchant. I Googled " XXXX  *XXXX  '' and there is information out from other people 's testaments that this is indeed fraud. If the XXXX stands for XXXX then I have never purchased anything on XXXX and my payment history on the site has no records of any purchase activity nor have I ever linked any payment methods to my XXXX account. On XX/XX/2022, I received Chimes ' investigation documents which were a joke. Chime is basically saying that because my card is still in my possession and because my personal information to my account ( phone number, email address, etc. ) was not tampered with then they don't find any fault in the transaction. Fradulent activity happens daily and the perpetrators don't have to physically have a person 's card in their possession nor do they have to change any personal information to theirs. My primary bank would have caught this unauthorized transaction immediately and/or would have reinstated me the money that was stolen from me. Chime has done nothing at all to help me in this situation. I do not trust my funds in Chime 's possession and feel that if this were to happen again, they will no go to bat for me as their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with Nelnet and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted Nelnet directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with Nelnet due to this issue and consolidated my loans w/ another Student Loan company. My Nelnet balance has been paid but the late reporting is still showing on all my credit reports.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX and XXXX, I received emails stating my Credit Karma account was locked. Prior to, I didn't receive anything from Credit Karma stating my account was potentially fraudulent or if there were suspicious activity on my account. My 1st call to them was XX/XX/XXXX, I inquired about why my account had been locked and what's the process of getting it unlocked. They told me in 24 to 48 hours, I would receive an email with the details of why my account was locked and how to get it unlocked. I wait 4 days and I still have no email so I call again on XX/XX/XXXX. They said I had to wait on an email from the investigation team and they can't tell me the time frame of how long that will take. As far as the people who have dealt with this situation have proclaimed Credit Karma and XXXX XXXX are practicing dangerous tactics that keep people from access their money. They freeze your account and you wait for weeks and weeks on end to get a email to verify your account then you wait more time to still not get access to your account or money. There were no fraud or suspicious activity on my account so its very strange that Credit Karma would lock/freeze my account out of nowhere. To put the icing on the cake, they did all this after I received my tax refund advance and now I'm waiting on my actual refund and my account is locked/frozen.