23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I sent three ( 3 ) similar letters to all three credit bureaus, XXXX, Equifax and XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. On my letters it list the accounts. However, I the only thing I have received back was a letter stating verified which is unacceptable. Despite three written request, the unverified items 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 items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''
Product: Mortgage

I purchased my home in XX/XX/XXXX and used Rocket Mortgage as my mortgage lender. I had used them in my previous purchase and did not have any issues. I have never made a late payment for my mortgage but I find myself in a situation where for the first time my mortgage payment is only partially paid and therefore late. The reason is that in XXXX I paid approximately {$10000.00} at closing to cover the XXXX taxes. This was because they estimated I would have to pay all of XXXX taxes due to the previous owner being a military veteran and being tax exempt. In early XXXX I received a refund. My mortgage was then adjusted by Rocket Mortgage in XX/XX/XXXX because they erroneously thought I was tax exempt. I spoke to a couple of representative at XXXX, one who was trying to get me to refinance in XXXX and another escrow analyst and explained that I thought they made an error. They then send me another refund check for all the escrow that had been placed in that account. I mistakenly assumed the error was due to the money I paid at closing for all of XXXX. I deposited these funds and used them to cover my childcare expenses. When went to pay my XX/XX/XXXX mortgage payment I saw that the amount due went from {$1600.00} to {$4300.00} as Rocket Mortgage is trying to recoup the escrow refunds they mistakenly sent me. I reached out to them via email with an urgent request for a call to ask to have this resolved. They did provide a solution of spread this $ XXXX over three years but that still puts my payment at {$3200.00} for the next 3 years. I expected a monthly payment of about {$2800.00} when I first purchased the home, I budgeted for this amount and signed into other financial obligations that I thought with that mortgage payment I would be able to afford. Now with inflation being so high and child care, I find myself in a difficult financial situation where I am afraid I will loose my home over the additional mortgage payment increase. I find this mistake should be absorbed by Rocket Mortgage and have tried to resolve it with them but they have pressed back that because it is property tax, it is my obligation however, the mistake on properly collecting them was on them. If I knew I would have to pay these on my own and not put my faith in them to properly collect, I would have set money aside to pay. I am putting in this complaint because I think this is predatory. I am not sure what to do next to get this resolved.
Product: Credit reporting or other personal consumer reports

I have submitted dispute letters to all 3 credit reporting bureaus and I dont think that they looked into the claims properly. I sent letters to XXXX, XXXX, and transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times.I demand the account listed below be remove because According to 15 USC1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account XXXX Account # XXXX Date open XX/XX/2019 Original amount XXXX
Product: Checking or savings account

On XX/XX/XXXX I submitted a payment through Chase bill pay through the Chase website to XXXX card to pay my husbands credit card ( my husband is also on the Chase checking account ). The payment was rejected by Chase due to security thinking it was an unusually high amount. This resulted in a financial impact of late fees and interest from XXXX. Chase stated they sent a fraud email XX/XX/XXXX however I have no record of this email. I do have a record of a separate email Chase sent on XX/XX/XXXX confirming a quick deposit but no Fraud email. I called Chase XX/XX/XXXX when I realized that I had paid XXXX and that Chase had rejected the payment ( before XX/XX/XXXX I thought that I had somehow forgot to make the payment even though I marked it paid ). I spoke to 6 representatives on XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX ) and was eventually told that credit 's over {$100.00} could not be made over the phone because there was no bank error ( Chase stated they thought it was fraud and declined it regardless of the direct financial impact it had caused me ). The worst part of this situation is that my husband and I applied for a stand alone HELOC thinking our cards had all been paid. We received a letter from XXXX after they pulled my husbands credit stating 'Proportion of Balance To High Credit on Revolving Accounts ' ( he only uses XXXX XXXX and 'Too Few Accounts Rated Current ' ( we pay all are cards in full ahead of time ). Even if Chase pays the late fee and interest ( to date they have declined any waiver due to the amount ), this in no way compensates us or resolves the issues it has caused with the HELOC application. We used our Chase account in good faith to pay a bill with money available in our Chase checking account through a secure website that we log in to each month. Because a Chase associate decided to reject the payment, it has had a substantial impact to me and my family. Chase has done nothing.
Product: Credit reporting or other personal consumer reports

someone stole my personal information i was victim of identity theft internalrevenue code 26 usc 6050p
Product: Money transfer, virtual currency, or money service

I was mailed a refund check from a lawyer for unused services. The check never arrived. I contacted the law firm, who showed me a copy of the check that had been fraudulently cashed. I notified the law office and the postal inspector of the undelivered mail. The lawyer says that his bank will not cover the check and refuses to write a new one. I have sent an affidavit to the law office explaining the fact that I never received the check and did not cash it, but still, they refuse to replace the stolen funds. My claim number with the US Postal Sevice is XXXX. The check was dated XX/XX/2022. The check was mailed on the XXXX of XXXX. The letter containing the check appeared in my informed delivery from the US Post Office on XX/XX/2022 but the letter never came in the mailbox. The check was later cashed with an unreadable endorsement on XX/XX/2022. I have a copy of the check. I have the informed delivery from the USPO. The check was written on Pacific Premier Bank Account located at XXXX XXXX XXXX XXXX in XXXX XXXX CA. My former attorney said that his bank will not credit his account for a check that has been cashed eventhough it was fraudulently cashed. Without the bank refunding the check, my lawyer, XXXX XXXX, refuses to write a new one. What do I do? 
XXXX XXXX XXXX
Product: Mortgage

Purchased home in XXXX for {$44000.00}. Documents from register of deeds shows released and XXXX on XXXX XXXX, XXXX. Documents show a loan/lein of {$50000.00}. To U.S. on XXXX XXXX XXXX. We did not receive {$50000.00}. From anyone. On XXXX XXXXXXXX XXXX XXXX XXXX got the lien and it went up to {$57000.00}. Documents then show an amount of {$87000.00}. Then on XX/XX/XXXX it goes to {$93000.00}. On XXXX XXXX countrywide is paid off. On XXXX XXXXXXXX XXXX XXXX, {$85000.00}. At no time did we receive {$50000.00}. Or {$35000.00}. Many of the documents I have were found at the register of deeds for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX, XXXX and transunion. I am unable to review my transunion report on XXXX XXXX XXXX I will be attaching copies of disputes submitted through certified mail and my attached FTC affidavit to dispute fraudulent or inaccurate reporting to my credit report. Thank you
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 : 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 XXXXXXXX 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: Debt collection

Recieved multiple calls to effort to collect a debt. On all calls answered I have requested a breakdown of what I am being billed for as to include date of service and original biller. On XX/XX/2018 I recieved a call from XXXX XXXX who claimed I owed {$970.00}. She refused to provide me via mail with details about the break down of what I owed and yelled I don't have to give you nothing, I explained I had been the victim of identity theft and did not feel comfortable paying that amount over the phone and want the bill so I may see if I am finacial responsible before making the payment. She continued to yell and scream stating she would report me sending the items to collection. I hung up and called the company back, it was made clear that the debt she was trying to collect was part the statue of limitations and she had no right to seek payment for the amount she demanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Sage Stream twice to place a freeze on my account. The second time sent additional information to verify who I am, like XXXX XXXX requested and still no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX Status updated XX/XX/XXXX Balance {$9600.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$650.00} Original balance {$12000.00} Highest balance {$0.00} Terms 42 Months On record until XX/XX/XXXX ( IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT 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 166b A Creditor May not treat a payment on a credit card account under an open consumer credit plan as late for any reason.
Product: Student loan

In early XXXX, I was contacted by a company called Premier Student Loan Center. They talked me into a consolidation service that would shrink the amount I owe by almost 75 %. They told me that " XXXX was being sued by the Federal Government due to the fact, they were applying installment payments to their interest amount owed rather than their principle balance. I was weary of this so I decided to look them up on XXXX and found they are " Acredited by the better business bureau '' and a bunch of fake reviews. I was told that if I paid {$1000.00} over 4 months followed by XXXX $ a month for 20 years, they would pay the rest of my {$12000.00} loan. If you do the math, that means I save {$9100.00}. It was a red flag in my head instantly, thinking how could this be possible and is why I decided to XXXX them but was once again misled by false information. I realized that I was dealing with a fake company when XXXX messaged me giving me information that they had consolidated my student loans. I've tried to contact Premier Student Loan Center multiple times and they will not contact me back. I've paid them a total of 3 out of 4 payments ( {$740.00} ) and then cancelled the card I had given them before they could process the 4th payment. I hope others can read this to avoid getting talked into a scam like this.
Product: Money transfer, virtual currency, or money service

I contacted PayPal XX/XX/XXXX and communicated with them throughout the morning on my request to have fees totaling {$61.00} returned to me. They are unfairly charging me a fee for requesting money from a close friend paying me rent. Where I used to have the option when requesting money to select friend/family or goods/service, I no longer have that option. Instead, I can only request the funds, with no disclosure that a fee will be accessed based on what the payer selects when they approve my request. Further, on the payer end paypal has admitted to me that it defaults to good or service, as opposed to prompting the payee to select. This results in the payee, if quickly trying to submit a payment, to be unaware they have more then one option. Their only solution is to return the funds to the original payee and have them resubmit the transaction. Further their final communication with me told me they would not be refunding the fees and they have failed to acknowledge the disclosure issue. PayPal should be allowing the requester to select if its friend/family or good/service and the payee to approve or deny before sending the funds. In addition, PayPal used to give the option for the requester to select friend or family but changed it without sending out proper notification to customers and then referred me to a different site to read about it. And finally, I had to send screenshots to representatives to prove that you could not select friend/family on the requester side because they weren't aware the option wasn't available to customers. Simply put, PayPal needs to have disclosures that the consumer can agree to before submitting. Even if they had a disclosure that said " a fee could be charged based on the options selected by the payee '' that would alert the requester would be sufficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I notified XXXX, XXXX, and Transunion of multiple unauthorized inquiries on my credit. I notified the credit bureaus that I submitted requests to each individual inquirer to show I authorized the inquiry and had no response from them. 

Since XX/XX/XXXX until now the 3 credit bureaus have not sent me proof nor removed the credit inquiries. 

I again notified the bureaus in XX/XX/XXXX that it has been more then 90days and I have not received anything showing proof of authorization or removal. 

From my understanding the Bureaus have 30 days to investigate and if they can not provide me any proof then the inquiries must be removed.
Product: Debt collection

Thank you I have disputed these charge-offs and collections with all three of the credit bureaus, and I was shocked they came back verified. Please provide me with the records used to verify this charge-off as it is inaccurate. Please follow the law ( FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ) and update me with new correction on the above account within 30 days. 

There is incorrect/missing info from these companies on my credit report. 
More specifically, I am referencing to inaccurate account number and a charge- off listed as open. This in direct violation of Section 609 ( a ) ( 1 ) of the FCRA Creditors : XXXX XXXX  XXXX/ XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Debt collection

I never received a notice from the ORIGINAL creditor which was XXXX XXXX XXXX. My insurance covered the visit and the amount billed to me was incorrect. I talked to someone over the phone and said the bill was fully covered through my insurance. Months later I got an email from XXXX XXXX stating I have a collections account from XXXX XXXX audit for {$68.00} which is only reporting through Equifax. This contract was CANCELLED and this collection company does NOT HAVE A CONTRACT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. Therefor The account below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. MY FTC REPORT IS ALSO ATTACHED BELOW! 


ACCOUNT NAME - XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Based on, 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 results from an alleged identity theft not later then 4 business days after the date of the receipt.

This ACCOUNT should NOT be furnished on my consumer report as they in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY,
Product: Bank account or service

Dear CFPB, Once again USAA/MasterCard has brought unwanted problems into my life by providing, without my permission or authorization, updated credit card information to vendors for credit/debit cards which I and/or USAA have CANCELLED. 
The latest debacle is playing out now. I 'm on a XXXX to XXXX, Texas. I arrived yesterday and rented a car from XXXX at the airport in XXXX, TX. Today, I checked my USAA checking account and discovered XXXX ( XXXX ) unauthorized charges from XXXX for {$310.00}, a total of {$630.00} drained from my checking account. " How could this be? '' I 'm on official travel and made the reservation through XXXX who should have charged my government VISA card for the car rental. What happened? Well what happened is this. I 'm a XXXX and XXXX ( XXXX ), yes XXXX debit cards ago, I entered my personal USAA debit card into my XXXX profile. I never, ever provided my personal debit card to XXXX for this transaction because it was a business trip. However XXXX " pulled '' my new credit card information and charged my debit card, not once, but mistakenly XXXX ( You can get the details from XXXX XXXX ( XXXX ) XXXX, billing supervisor, XXXX XXXX XXXX, XXXX, OK ). Bad on XXXX XXXX for charging the wrong card and charging it XXXX and they are correcting the problem. 
But the bottom line is this ; none of these problems would occur if USAA would stop providing canceled credit/debit card information to vendors without my permission. 
Regards, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I received a collection letter saying that I owe {$260.00}, from an outstanding debt with wells fargo in a checking account # XXXX which was transfer to XXXX XXXX XXXX XXXX XXXX. I have not had a checking account with them only credit account which are paid and closed. I contacted wells fargo directly and they said that I do not have a balance with them, also I check my credit report and nothing shows up.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION furnished a consumer report in my name including a bankruptcy discharge, which was obtained and provided without permissible purpose pursuant 15 USC 1681b ( a ) ( 2 ) ; such actions also violate my right to privacy under 15 USC 1681 ( a ) ( 4 ). In addition, TRANSUNION neglected to provide me with accurate/relevant information on the direct source of bankruptcy information pursuant 15 USC 1681g ( 2 ), 15 USC 1681i ( 2 ) ( B ). Nor did TRANSUNION conduct investigation pursuant 15 USC 1681a ( e ). As a result, TRANSUNION is civilly liable for these violations.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXXXXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$37000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting

Equifax is reporting ( XXXX ) Federal Tax Liens in the Public Record Section of my file. I have disputed the accounts as not belonging to me. I asked Equifax how they verified information and I was told that they confirmed or verified with the XXXX County Courthouse in XXXX. I called the XXXX County Courthouse and I was told by a clerk named XXXX that there was no record of Equifax contacting or speaking with anyone from the courthouse concerning verification of these alleged liens. I then contacted XXXX XXXX to request my file and XXXX XXXX reports show no tax liens on my file. My complaint is that is it that Equifax is verifying this information when the courthouse or XXXX XXXX show the contrary. I am requesting Equifax to delete these harmful and injurious notations on my file.
Product: Credit reporting

this not my report # XXXX remove from credit report all XXXX thank you
Product: Credit card

I have cancelled autopay and deleted all banking information from Aspire credit card. However Aspire refuses to stop initiating unauthorized transactions against the said banking account. I have contacted the company on 4 different occasions ( twice by chat support and twice by phone ) and each time I was assured that no more autopayments would be tried to be pulled from my bank account. Although they assure me this won't happen again, it continues to happen. Please help me stop this unlawful practice.