23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had merchandise accounts open with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I got behind on my payments after losing my job and giving birth to my daughter. As I secured a better financial situation in XXXX, I reached out to XXXX via a documented letter inquiring about a settlement on my 2 accounts with a totaling balance of {$2000.00}. XXXX called me in response to the letter. 

On XX/XX/XXXX, I spoke to XXXX XXXX over the phone to settle the accounts. He sent me a confirmation email on XX/XX/XXXX detailing the confirmation of both of my accounts. He provided me with a settlement statement with authorization codes and transaction codes, which is as follows : Account 1 # : XXXX Authorization Code = XXXX Transaction id = XXXX Response =Approved Response Text = Approved Response_code = Transaction was approved Amount : {$580.00} Issuer Number : XXXX Account XXXX # : XXXX Authorization Code = XXXX Transaction id = XXXX Response =Approved Response Text = Approved Response_code = Transaction was approved Amount : {$350.00} Issuer Number : XXXX I noticed that my credit report did not update accordingly and I was still showing a balanced of {$2000.00}. I filed a dispute and on XX/XX/XXXX received a response that XXXX did not update the report ( Report # : XXXX ) accordingly. The report stated I still owed {$2000.00} despite settling the accounts. I emailed XXXX XXXX on XX/XX/XXXX inquiring about the report and he responded with the following : " Balance will be adjusted tomorrow, sorry for the delay. '' I went ahead and filed another dispute and the report was generated on XX/XX/XXXX ( Report # : XXXX ). Yet again, the credit report was not updated accordingly. It shows I still have a balance of {$2000.00}. I emailed XXXX XXXX again on XX/XX/XXXX to advise that the balance as not been adjusted. He must've forwarded my email because I received a response from XXXX XXXX Administration Representative, XXXX XXXX, that stated : " The balance has been adjusted and it is showing {$0.00} for both accounts. '' However, this is not the case on my credit report. XXXX has failed to uphold their commitment on the settlement despite receiving my payments.
Product: Mortgage

FOLLOW-UP TO COMPLAINTS ID # XXXX & XXXX XX/XX/XXXX Re : Rocket Mortgage,XXXX XXXX XXXX, XXXX, Michigan XXXX ( XXXX ) XXXX rocketmortgage.com XXXX Loan # XXXX XXXX ) After I sent complaints to CFPB that Rocket took advantage of senior citizens forcing them to continue to pay their mortgage at pre-pandemic high interest rate, Rocket gave me the 3rd refinance package, which lowers the interest rate, but increase the loan fees, and increase cash closing from borrower. So it's pay now and save later. 

2 ) They wanted to get 2 tax returns for XXXX & XXXX from me, which I faxed immediately, but refused to remove it from Completed Task. Why?

3 ) They also wanted me to pay Flood Insurance, get a Declaration Page, and have the Flood Insurance agent call them. 
I protested, saying that I already paid flood insurance via escrow within the same mortgage company. Why do I have to pay again, when I am not even sure that I will get the refinance loan? 
I had to fax them from my current loan statement the Annual Escrow Account Disclosure Statement which shows that I already paid Flood Insurance via escrow. 

This is very shady and deceitful practice for uninformed borrowers. 
You just pay and pay as they say. 

Yes, I will save {$150.00} a month, but the life of the loan will be lengthened by 2 more years of payment. On top of that, I have to pay {$6000.00} for loan fees because the principal increased from 142K to 148K. Additionally, the closing cash went from {$630.00} TO borrower, to {$800.00} FROM borrower, to {$1000.00} FROM borrower. 

Talking about loan sharks!!!
Product: Credit reporting or other personal consumer reports

I agreed to settle a charged off debt with XXXX XXXX  if they were to remove the negative reporting on all three credit reporting agencies and verbally over the phone with the representative agreed and paid the requested amount to settle the account in full. I was never informed about a 1099c because this is now income nor did I receive such documents. I filed a dispute with EXPERIAN but nothing was done? There are FDCPA violations on the reporting alone but showing on there own credit reporting report that the account was 30,60,90,120 days late than ND recorded,150 days late and no charge-off showing even though it was charged-off in XXXX  Again no 1099c and no debt validation received about the debt? At this point EXPERIAN is violating FDCPA by reporting inaccurately. XXXXXXXX XXXX is as well in violation of the FDCPA by reporting inaccurately. As you can see from the two different reporting agencies that the information does not match which just proofs the inaccurate reporting. I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given by both parties involved. I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.
Product: Checking or savings account

opened a new checking account ( # XXXX ) on XX/XX/XXXX with this offer - XXXX $ opening bonus - my earlier acct was closed on XX/XX/XXXX. As per the terms and conditions of this offer i am eligible for bonus. 

HSBC PREMIER WELCOME DEPOSIT CHECKING OFFER 1 HSBC Premier {$450.00} Welcome Deposit Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage. You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past two years to apply for a deposit account online. To qualify for the HSBC Premier {$450.00} Welcome Deposit you must : ( 1 ) open your new HSBC Premier checking account from XX/XX/XXXX through and including XX/XX/XXXX ; and ( 2 ) make recurring monthly Qualifying Direct Deposits totaling at least {$5000.00} from a third party to your HSBC Premier checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. You will automatically receive the {$450.00} Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. Qualifying Direct Deposits are electronic deposits of regular periodic payments ( such as salary, pension, Government Benefits or other monthly income ) made into your HSBC Premier checking account from third parties at least once per calendar month. Customers who held any HSBC consumer deposit or investment account XX/XX/XXXX through and including XX/XX/XXXX are not eligible for this offer. Eligible
Product: Checking or savings account

On XX/XX/XXXX, a company of really unknown contact information charged my checking account XXXX in an unauthorized debit. I on the first day notified Bank of America that this was a fraudulent charge -not done by me or anyone in my household. My wife XXXX and I live alone and no one but me has access to my debit card that is locked in my desk drawer at home -- not even my wife has access to our cards. We have camera 's and a security system hooked to the cell phone system, and so it is impossible to access the inside of our home without setting off the alarm. Bank of America immediately removed the charge which had no other information on its origin except -- '' by XXXX-online Fla. ''. No phone number, no website info -- no nothing as far as contact info with the charging company. I followed up in the weeks to come by repeatedly calling and speaking to the fraud dept. of Bank of America, and faxed in a statement saying -- '' I did not make this charge '' explaining that we were in the middle of a remodel of our home without a refinance, and our budget was very tight and AGAIN stating 'WE DID NOT MAKE THIS TRANSACTION ''! They explained it was some kind of software purchase and they were investigating. In XX/XX/XXXX, I received a letter stating that their investigation was complete and they were recharging my account XXXX on XX/XX/XXXX. At this time, they could not give any info. on the company -- no number to call -- no website to find contact info -- -nothing except after talking with XXXX- badge no. XXXX and XXXX badge no. XXXX on XX/XX/XXXX and XX/XX/XXXX -- I begged them Not to debit my checking account because I did not have the money to cover this fraudulent charge -- they were courteous but stated that visa had confirmed that this was a valid charge. I reiterated -- '' it may be a valid charge-but I did not make this charge -- I have not received any software or any product that cost XXXX! To NO avail, my account was CHARGED on XX/XX/XXXX and OVERDRAWN AND charged an OVERDRAFT FEE besides with no income coming into my account until XXXX XXXX XXXX XXXX. HOW IS THIS POSSIBLE a financial institution can charge you without any contact info on the company making such a charge??? HOW IS THIS POSSIBLE?? Please direct my complaint to Bank of America/claim investigations -- XXXX XXXX XXXX XXXX Az XXXX -- -- -- I do not believe they made ANY credible investigation -- -a Google search came up with NO SUCH COMPANY -- -I do not believe in this day of internet cookies that they can't give me some kind of contact info. I did not make this charge -- this is the second time in 6 months that fraud has been on my checking account and the card number that generated this Fraud was a NEW card number! What kind of SECURITY does the banking industry have that they can not track down whoever has done this -- we are poor people living paycheck to paycheck -- I am XXXX  XXXX XXXX XXXX   properly after a career of XXXX work in XXXX. Where is our PROTECTION from these fraud promoters that must be in the banks themselves! XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian & XXXX ; Not only this public record is not verifiable, but it continues to report multiple inaccuracies, and incomplete information and in violation of my consumer rights. I noticed that XXXX removed it because of being unverifiable, incomplete, and with multiple inaccuracies, but Experian and XXXX are still reporting it and claiming that it was verified. I already called the courthouse, and the clerk directed me to their website to read the guideline which said that they do not report to any credit reporting agencies. How then did you verify it.? These are some violations and inaccuracies that I was able to point out to XXXX; such as ; wrong courthouse name, wrong dock or reference numbers ; wrong filed date, etc, much much more. 

AGAIN, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 
A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 
Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to 1. Defamation ; 2. Negligent Enhancement of Identity Fraud ; 3. Violation of the Fair Credit Reporting Act
Product: Debt collection

I saw a collection account appear on my report for all 3 bureaus, furnished by Southwest Credit Systems, and I have NOT received any debt validation letter, nor have I received ANY notice detailing my rights to a dispute for this debt. This appeared on my reports randomly without ANY notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX 1 XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXXXXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting

My current address is XXXX XXXX XXXX, XXXX Fl XXXX, not XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. ( The latter address is my business address not my primary )
Product: Credit reporting or other personal consumer reports

I submitted a CFPB complaint ( XXXX ) on XX/XX/year>, regarding TransUnion 's failure to delete information on my credit profile related to items reported as identity theft. According to 15 U.S.C. 1681c-2, which addresses the block of information resulting from identity theft, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft, no later than 4 business days after receiving notice of the identity theft.

These accounts have significantly impacted me in various ways, including higher interest rates on loans, credit denials, and loss of job opportunities. Therefore, I request that these accounts be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This letter serves as a formal Final Demand for the immediate removal of fraudulent accounts, addresses, and hard inquiries appearing on my credit report. Despite my previous dispute and the supporting documentation provided including my FTC Identity Theft Affidavit, personal identification, and proof of legitimate address you have failed to take the legally required action to remove these inaccuracies. Your failure to comply constitutes a direct violation of federal law and has caused significant harm to my financial standing.Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to investigate and remove inaccurate, incomplete, or unverifiable information within 30 days. The fraudulent accounts and inquiries identified in my dispute can not be verified and therefore must be deleted immediately. Your continued reporting of false information after being notified in writing constitutes willful noncompliance under 15 U.S.C. 1681n, making you liable for damages, attorney fees, and statutory penalties. Furthermore, under 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ), any attempt to collect or report fraudulent debts is a federal violation punishable by statutory damages of up to {$1000.00} per violation, plus additional actual damages and legal costs. Additionally, under UCC 3-501 & 3-503, I formally demand verification and validation of any alleged debt being reported. If you can not produce original documentation bearing my actual signature, then you must cease reporting these items immediately. Failure to do so constitutes dishonor and default under contract law, rendering the debts legally unenforceable. This letter serves as your final opportunity to correct these violations before legal action is initiated. Should you fail to remove the fraudulent accounts, addresses, and hard inquiries within 4 business days of receiving this notice, I will be left with no choice but to pursue the following actions without further notice : File a lawsuit against your reporting agency for willful noncompliance under the FCRA ( 15 U.S.C. 1681n ) and FDCPA ( 15 U.S.C. 1692k ) in federal court. 

Seek monetary damages, punitive damages, and attorney fees due to your violations of federal law. 

Report your unlawful actions to the Better Business Bureau ( BBB ) and various consumer advocacy organizations to ensure public awareness of your deceptive business practices. 

To resolve this matter amicably, you must provide written confirmation that XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXXXXXX  {$5500.00} XX/XX/XXXX In Collections/Charge-off XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$210.00} Collection account XX/XX/XXXX, addresses, and inquiries have been permanently removed from my credit report. If you fail to act, legal proceedings will be initiated immediately, and you will be held fully accountable for all violations. 

You have XXXX business days from the receipt of this letter to comply. Failure to do so will result in escalation to litigation without further notice. 

This is a legally binding final demand. Govern yourselves accordingly.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX, Experian, and XXXX for their failure to correct inaccurate information on my credit report, despite my repeated attempts to resolve the issue. Although these credit reporting agencies closed my previous complaint, the inaccuracies still persist on my credit file and continue to negatively impact my credit score. 

On XX/XX/year>, I filed a dispute requesting a re-investigation of the incorrect information appearing on my credit report. However, the dispute was closed without any meaningful resolution, and the incorrect data remains. I have made several efforts to work with the credit bureaus and the relevant creditors to rectify the situation, but these attempts have proven unsuccessful. 

The ongoing inaccuracy is a violation of the Fair Credit Reporting Act ( FCRA ), particularly : FCRA Section 1681i ( Reinvestigation of Disputed Information ) : The credit bureaus have failed to properly reinvestigate the disputed items, leaving erroneous information on my credit report. Under the FCRA, these agencies are required to ensure that reported information is accurate and complete, correcting any discrepancies once notified. Their failure to investigate and resolve these errors is a breach of this responsibility. 

FCRA Section 1681e ( b ) ( Maximum Possible Accuracy ) : The credit bureaus are required to ensure the accuracy of the information reported. Despite my dispute, the incorrect data has not been corrected, suggesting that reasonable procedures to verify its accuracy were not followed. 

FCRA Section 1681i ( a ) ( 1 ) ( A ) : The credit bureaus did not initiate a thorough re-investigation of the disputed information after I filed my complaint. This failure to take appropriate action is a direct violation of my rights under the FCRA. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold XXXX, Experian, and XXXX accountable for their failure to comply with the FCRA. I ask that they be directed to correct the inaccuracies on my credit report as soon as possible.
Product: Debt collection

hi i checked my credit report and noticed one company had three different collections on there. i sent a vitrifaction letter XX/XX/2018 asking for proof i owe them this money. they sent a a response ( Attached ) they sent a paper with amounts they say i owe. i sent another letter XX/XX/XXXX. asking for proof i owe and i got the same response ( Attached ) i feel my rights are being violated because nether them or the credit bureau, can send anything stating i owe this money. i sign nothing with this company and yet they keep it on my report please help i really need these items off of my credit report and this company just ignores me. also they have different amounts on their response letters ( attached ) Trinity Hope even told me i need to get the information i ask for from someone eles ( Attached ) thank you!