23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Got in a multi-car accidence on a rental ; the other party is at fault. My insurance company issued all required payments to the car rental company to settle any claim against me, and informed the car rental 's representative agency and subsequently the debt collector, Viking Client Services, in written response that they should stop contacting me on this matter. Received a letter from the collection agency dated XX/XX/2020 offers to settle a {$1300.00} debt that they knew I do not own. I truly believe the debt collector is acting in bad faith to scare me to pay them on something that they are well aware that I do not own or entitle to collect.
Product: Mortgage

On around XX/XX/2021 I called Rocket Mortgage to start a pre-approval for a Morgage. I was in the process of changing jobs as my previous job I could not receive an eligible amount to finance a home and my new job would allow it. I was approved for {$140000.00}. Although I glanced around, I waited uintile XX/XX/2021 when I started my new job before I went to search for a home. 

I found a home on XX/XX/2021. On XX/XX/2021 they came back with a counter offer which was accepted. 

In the process of going through the mortgage process on XX/XX/2021, Rocket Mortgage asked for a good faith deposit of {$500.00} to process the application. I paid my Earnest Money to the broker in the amount of {$500.00} and I also paid Rocket Morgage {$500.00}. This was 2 different tranactions, one in a check, and because the second {$500.00} just sort of caught me on complete surprise, one on a credit card.

The very next day, I was attempting to fill out all of my paperwork. In the one section it asked how many people were going to be living in the house and how many dependents would be living in the house. I was attempting to be completely honest and say that there would be 2 adults living in the house eventually ( after my father sold his house the plan was that he would come live with me ) and 0 dependents. They came back and asked for my fathers income. I explained at this time that my father has a house currently and that it may take anywhere from a month to a year for him to sell it and then it may happen. I also told them if they ever asked for this information again that I would fire them from being my broker. This was XX/XX/2021. 

They allowed me to adjust the adults living in the house to 1 with an explanation letter explaining this. This was on XX/XX/2021. 

On XX/XX/2021, they called me and demanded my fathers 1099 because there was a potential that he would be living with me after I got the house with the explanation being that he would be my dependent afterwards if he moved in with no income. 

My father is XXXX years old, a military veteran, someone who just lost his wife to XXXX in XXXX after she was diagnosed with XXXX in XXXX. I fired Rocket Morgage on XX/XX/2021 for there practices. 

On XX/XX/2021 I received an email from Rocket Mortgage attempting again to give them my fathers information.
Product: Credit card

I met the requirements for the welcome offer during the XX/XX/year> billing cycle, but I still haven't received the promised bonus.
Product: Debt collection

Recived a letter stating that I have a lawsuit filed against me in the XXXX judicial district court in XXXX XXXX, Michigan. XXXX Bank, XXXX successor by merger to XXXX Bank, plaintiff XXXX Myself XXXX XXXX XXXX. Case # XXXX in witch I called and there is no case filed ... By said debt collector Weltman Weinberg & Reis co XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX a XXXX XXXX XXXX XXXX. Is attempting to collect a debt that at the time I was in debt to XXXX bank, loan was secured by collateral said property. We lost our house do to fire. The property was sold in a sheriffs auction do to taxes we could not afford. XXXX bank was notified of the sale and stated that they showed no interest in the property 's. The loan was for {$7500.00} and the property sold for {$40000.00} and they should have been payed at the time of sale to cover the debt before the title could have been released and cleared. Sale took place one year and five months a go. I have atempted to in the past make payments at the bank and payment was refused ...! I now am XXXX and do not have an income. It so states in my contract that the loan was set as a mortgage and the property was used to secure the loan ... I feel as tho I am being harassed and that this collector has and is sending me false documents in attempt to collect funds I do not owe.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of the data from my credit file that resulted from fraudulent activity. However, there are still item listed that need to be removed or blocked. According to FCRA section 605, you are obligated to eliminate any records associated with an ID theft report number. I have previously included this report in a letter, and I am including it again. I have informed my lawyer of my intentions, and they are prepared to hold you accountable for your persistent non-compliance. 
XXXX XXXX XXXX, 2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  {$21000.00}. 
This account is fraud and doesnt belong to me. this account just appeared on my credit profile overnight and is affecting my life and its not fair. This account needs to be removed immediately my rights are being violated and this account needs to be REMOVED.
Product: Debt collection

this company has been on my report for over 7 years for an acct that is not mine at a apartment complex that I did not lease it. so if not removed I will sue them for my creditworthiness. the credit report show it every time I disputed it 3-4 months ago and no remove or answer
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services Inc on XX/XX/XXXX is showing 4 times on my XXXX credit file for web loan with different PO Boxes and address. I have not applied nor no this company. I have also opt out since XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX opt out of sharing or any promotions and this should not be showing on my credit file. XXXX is violating my rights after mailing them an opt out and selling or agreed with Clarity Services Inc I also want to seek damages on XXXX for allowing this to happen. I also want damages from Clarity Services Inc there deceptive practices. 
Experian Report # XXXX for XX/XX/XXXX page 14 of 16
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 card

I've consistently ensured that payments on this account are made promptly, avoiding any overdue situations. However, I'm uncertain about the reasons for reported late payment remarks on my accounts. Referring to XXXX XXXX XXXX - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage @ XXXX XXXX XXXX XXXX is reporting that the balance on my loan # XXXX is XXXX to the credit agencies. The correct amount is {$570000.00} as noted on their web page in my account. The misleading amount has caused my credit to debit ratio to skyrocket and my scores to drop. I called them today XX/XX/2023 spoke to representative # XXXX who told me that its my responsibility to write to all XXXX credit bureaus! I told her that her company generated this false information on purpose apparently. This is a direct violation of the Fair Credit Reporting Act. I am a XXXX Veteran who has tried extremely hard to obtain exceptional credit only to have this company try to ruin my exceptional standing. They do not give XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX legal representative
Product: Credit card or prepaid card

I had a XXXX Credit Card for XXXX XXXX. On XX/XX/XXXX I learned that they charged me a finance charge of {$1600.00} on a {$1500.00} debt. I had paid on the debt more than always on time and more than the minimum amount. 
Apparently my 24 months of 0 % APR had expired on XX/XX/XXXX. Thus they charged me interest/finance charge on the original amount. They charged in on XX/XX/XXXX and I spoke to them about it on XX/XX/XXXX and offered to pay the total amount I owed - which was {$1500.00}. 
I escalated the matter to several managers and they told me that I had some wiggle room around the XX/XX/XXXX but because it was outside of 2 - 3 days they could not help me. I ended up paying the full amount. 
I understand that I did not read the fine print as closely as I should have. I also was getting paperless statements. 
I am asking if you can help me out so I can get some of the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item listed below still 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 and subsequent reinvestigation, you stated in writing that you verified that these item are being reported correctly? Who verified these account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date opened XX/XX/2015 XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with Fair reporting act XXXX  Accounts 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 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1682C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting 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 : DP OF EDUC Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

I HAVE A FEW ACCOUNTS THAT WERE DISPUTED DUE TO IDENTITY THEFT THAT HAVE BEEN DELETED FROM EVERY CREDIT BUREAU BUT TRANSUNION. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete and notify the date furnisher and creditor. If XXXX and XXXX notified you the data furnisher that it was inaccurate and incomplete how are you still reporting this information?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX they refused to remove these accounts because the are old and they been on my report since XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Mortgage

During my interactions with Rocket Mortgage representatives, I was informed that PMI would not be removed unless my XXXX reaches 70 % and then they changed it to 75 %. However, this is inconsistent with the HPAs legal requirements for PMI removal based on principal paydown. The 75 % XXXX requirement applies only when requesting PMI removal based on a new appraised value within the first XXXX years. Since my request is based on my original appraised value and principal paydown, the applicable threshold is 80 % XXXX, not 75 %. My current loan information is : Original Purchase Price/Appraised Value : {$600000.00} Current Loan Balance : {$480000.00} XXXX Based XXXX Original Value : 79.7 % ( Below the 80 % Threshold )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. 3 CreditBureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$3300.00}
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 : # XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # 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 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

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

I mailed XXXX rounds of certified letters XXXX  XXXX XX/XX/year> to XXXX XXXX XXXX, XXXX, and Equifax Information Services, LLC disputing accounts below Account Name : XXXX XXXX XXXX {$5500.00} Account Name : XXXX XXXX XXXX {$6500.00} Account Name : XXXX XXXX XXXX {$3400.00} XXXX  letter sent for verification on XX/XX/year> to XXXX XXXX XXXX, XXXX, and Equifax Information Services, LLC and accounts still remain and have not been fully validated.
Product: Checking or savings account

I, XXXX XXXX XXXX, am filing a bank fraud complaint for JP Morgan Chase Bank from my checking accounts. 

On XX/XX/20, I mailed a check to pay property tax. I dropped a check for {$6200.00} through USPS ' blue mailbox on the side of the street in the zip code area XXXX. A few months later, I received a letter from townhall about a missing property tax payment. I reached out to Chase and they showed me a check was paid to XXXX  XXXX XXXX to XXXX XXXX XXXX 's personal account. The mail thief stole my mail, changed the check 's payable name to XXXX XXXX XXXX and deposited the check to the theft account. 

I filed a dispute to Chase but they refused to pay back my stolen funds despite my repeated efforts for 2 years. If a check was modified, the initial and date is required, Chase should not have released my funds without proper procedure. 

I beg to inform this transaction was not carried out by me in any form. Please kindly look into this matter and guide me through the best possible solution to recover my hard-earned savings. 

Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Personal Statement request for account blocking and deletion due to data breach. Dear Experian, Equifax and transunion team, i am writing you formally requesting that the blockage and deletions of all accounts, inquiries associated with my personal information due to the recent data breach. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This request is made in accordance with several provisions of the fair credit report act. 15 USC 1681 c-2 ( a ), 15 usc 1681e ( b ) ,15 USC 1681g ( a ) ,15 Usc 1681m, 15 USC 1681n . Please confirm these receipts letter and provide written cobfirmation of the action tajem regarding my accounts. Additionally, i would appreciate an update on any measures you ate implementing to protect my personal information. Thank you i look forward to your response in 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  TX XXXX XXXX Reference number XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX, XXXX account number XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX  XXXX  account # XXXX, XXXX  XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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.
Product: Debt collection

I continue to receive bills from a collection agency, United Collections Bureau , INC for a medical debt for my son XXXX XXXX. At the time, insurance information was submitted for the XXXX coverage my son had at the time he was a minor. This company continues to harass me on behalf of XXXX XXXX XXXX Hospital in XXXX, Ohio. The dates of service all occurred on XX/XX/2016 with a total cost of {$790.00}. My son had Ohio XXXX full coverage health coverage during the entire 12 months of XX/XX/2016. I am not sure if this company is doubling billing and committing XXXX fraud or if their claim submission for payment to the insurance company was overlooked.