23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In short, during my last cash-out refinance in XX/XX/XXXX, Rocket Mortgage ( RM ) engaged in deceptive loan tactics in order to push through my cash-out refinance without explicitly telling me they were going to write checks to my debtors instead of a lump sum being deposited to my checking account. The paperwork I filled out was also not clear on where the money was going nor were the questions on the inital application in a logical order. In the first couple of pages, I checked that I wanted the funds dispersed by ACH transaction, and provided my bank 's routing and account numbers. My loan officer and I did have two phone calls where he had me verify debt amounts, but never did he say the funds at cash out will be checks written directly to these debtors. It was my belief he was verifying debts to establish a debt to income ratio. 

Furthermore, I had no reason to believe this cash out would be any different than the first one back in XX/XX/XXXX, where I received all funds deposited into my checking account. 

This has led to the wrong debtors being paid as my wife and I had identified a plan to pay off the debtors with the largest monthly payments, and the checks that were cut by RM were to random other small debts with lower monthly payments we were not going to fully pay off. 

The consequences of RM 's actions have left us with a mortgage that is unmanageable due to the incorrect debts being paid and not having enough cash flow at the end of the month. It led to us needing a large consolidation loan for outstanding debts and seriously having to consider selling our beloved home. If we were able to pay off the correct debts with the larger payments, we would be comfortable with our current mortgage. 

I believe the deception on RM 's part was intentional in order to push the loan through and collect their commissions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter to Equifax on XXXX. XXXX, XXXX  I told the credit bureau to " investigate every piece of information '' on the accounts I have listed below : XXXX - XXXXXXXX XXXX/ ACCOUNT # XXXX XXXX  XXXX XXXX XXXX I have attached the letters I sent out and here are the tracking numbers : XXXX XXXX XXXX XXXX XXXX According to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, associates of the consumer reported on or with others of whom he/she is acquainted or who may have knowledge concerning any such items of information. 

The credit bureau stated that these accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate.
Product: Debt collection

Ncb management keeps sending me to same fraudulent information now they are saying I put in a duplicate complaint.i called them to send me a fraud packet.this is identity theft I never had an account with XXXX   .if this gets returned again I will file a lawsuit against ncb for fraud and harrassment.please stop this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX I went to a call dealership ( XXXX  XXXX XXXX in NJ XXXX to purchase a new XXXX XXXX. I already had the financing and approval from my credit union XXXX XXXX XXXX XXXX XXXX XXXX for the full amount of the car purchase. My application ( for vehicle registration purposes only ), had my personal information on it. Upon looking at my credit report, I noticed SEVERAL inquiries to various credit lending institutions for car loans without my permission. 
XX/XX/XXXX : Contacted each of the lenders and advised that I did not authorize these inquiries, and was directed to contact Experian directly. 
XX/XX/XXXX : Spoke with Experian Fraud Department Supervisor ( XXXX, XXXX Team ) after the first " offshore '' representative falsely advised me that " a company has the right to run your credit report if they want to without your permission ''. The Supervisor stated that the six ( 6 ) credit inquiries that appeared on my credit report ( none of which resulted in an OPEN/APPROVED account ) were attached to my legitimate open account with XXXX XXXX XXXX XXXX. This is impossible because XXXX XXXX XXXX XXXX is a direct lender. The inquiries for XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ) were WITHOUT authorization and should be removed immediately. Experian has REFUSED to remove them. They are impacting negatively on my credit score and have caused adverse actions for credit. 
XX/XX/XXXX : Downloaded fresh copy of my credit report from XXXX. Highlighted all unauthorized inquiries ( attempted to have each of these removed from Experian who refused ).
Product: Mortgage

I am attempting to sell my home and the closing date is set for XXXX XXXX, XXXX. Key Bank holds the second mortgage on the property I am attempting to sell. This is my second complaint that about Key Bank ( my initial complaint XXXX, dated XXXX/XXXX/XXXX ). Please refer to that complaint to provide a full context. I went under agreement to buy a new home, and to sell my current residence, in XXXX XXXX. Key Bank, for four months, was refusing to provide documentation that was being requested by my lender, and was the sole reason I was unable to obtain a mortgage commitment by the date set forth in the agreement of sale. They only provided the documentation as a result of my complaint with the CFPB. I was able to obtain a mortgage commitment for a new home, but, as a result of the refusal of Key Bank to cooperate, I am having trouble getting to closing on the property I am attempting to sell. After I lost my original buyer on XXXX XXXX, XXXX, I called Key Bank to arrive at a settlement amount. I am eligible to do so because I filed a Ch XXXX bankruptcy in XXXX, and Key Bank is my second mortgage. I needed to settle with Key Bank because I have new buyers that are paying significantly less for my property. Please note that the original buyers ( i.e. that walked away on XXXX ) were paying enough for the home to enable me to pay back Key Bank in full. I only needed a settlement amount because of Key Bank 's past refusal to cooperate, and I only need an extension because of Key Bank 's past refusal to cooperate ( the subject of my initial complaint ). I currently have a settlement agreement with Key Bank that is valid until XXXX/XXXX/XXXX. The buyers of my home can not close until XXXX XXXX, XXXX -- after the settlement date runs out. I have been informed by Key Bank that I can pay after XXXX/XXXX/XXXX, but that is not acceptable to the closing services company who is attempting to ensure there are no outstanding liens on my home after the closing. They need it in writing, which Key Bank, at the time of this writing, is refusing to do ( even though they have given my a verbal acceptance, and have it attached as a " note '' to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied an application for a credit card due Experian Report. The person that has a delinquent payment do not have the same last name as mine, and same social security as mine, Experian put that person in my credit report file
Product: Credit card or prepaid card

Money was used over XXXX bucks n that was not me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit report and found several inaccuracies regarding my personal information. To help facilitate the correction process, I have attached documentation providing proof of my current address, as indicated on your website. 

The only correct address that should appear on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following incorrect address from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I noticed that my name appears with multiple incorrect spellings. My name should appear only as : XXXX XXXX XXXX XXXX Here are the incorrect name variations I request to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request the removal of any inaccurate employer information. The only employer that should be listed is : Senior Life Insurance These inaccuracies are a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other related regulations. Specifically, the following laws apply : XXXX U.S. CXXXX XXXX : Protection of personal information. 
XXXX U.S. CXXXX XXXX : Obligations regarding the disclosure of personal information. 
XXXX U.S. CXXXX XXXX : XXXX of privacy policies. 
XXXX U.S. CXXXX XXXX ( b ) : Accuracy of credit reports. 
XXXX U.S. CXXXX XXXX ( d ) ( 2 ) : Exclusion of certain transactions from credit reports. 
XXXX U.S. CXXXX XXXX : Aggravated identity theft. 
It is essential that my credit report reflects accurate information. Failure to correct these errors may result in further action to protect my rights. 

Once the corrections have been made, please send me a copy of my updated credit report. 

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from Capio Partners indicating I had a 7 year old medical debt. This debt is not mine and I have no record of this debt whatsoever. The amount in question is {$1000.00}. 

I filed a formal dispute with Capio via certified mail and have yet to hear back. In the meantime, they added the debt to my credit report without providing any proof of the debt. 

This has negatively impacted my ability to access credit and will end up costing me thousands of dollars.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inaccuracies on my TransUnion credit report concerning a bankruptcy and related negative item. The bankruptcy is a Chapter XXXX, but it is being reported inaccurately on my TransUnion report. Additionally, the notes and remarks on the negative item under this bankruptcy are incorrectly listed as a XXXX  XXXX, adding to the confusion. This discrepancy does not appear on my credit reports from XXXX or XXXX. 

The specific issues are as follows : XXXXXXXX XXXX XXXX XXXX bankruptcy itself is being reported inaccurately. 
XXXX. The remarks on related negative item incorrectly reflect the bankruptcy as XXXX XXXX, which is not accurate. 
XXXX. These inaccuracies are present only on my TransUnion report and do not appear on my XXXX or XXXX reports. 

XXXX XXXX XXXXXXXX Original filing date : XX/XX/year> Latest status date : XX/XX/year> Reference number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX These discrepancies are unfairly impacting my credit profile, and I request an immediate investigation into the bankruptcy and the related negative items. Please correct the inaccurate reporting of the Chapter XXXX bankruptcy and update the remarks on the negative items to reflect the correct information. 

To assist with your investigation, I have included : - A copy of my credit reports from all three bureaus ( TransUnion, XXXX, and XXXX ). 
- Proof of identity ( drivers license, Social Security card ) -Copy of a recent Bank XXXX as proof of address I kindly request that you update my credit report to reflect the correct information and confirm the removal or correction of the inaccurate details once your investigation is complete. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX Balance : {$280.00} ; XXXX  XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

Ally has an account that has been paid off in full for over 5 years now showing i was 30 days past due on 2 months in XXXX. I have provided them documentation that those 2 months were deferred before they went past due and especially not 30 days. I have requested them to remove the 2 30 days past due as they have been hurting my score and opportunities for new credit/loans. This needs to be fixed ASAP please.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$840.00}, XXXX XXXX XXXX Balance Owed : {$440.00}, XXXX XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$0.00}, XXXX XXXX Balance Owed : {$590.00}, XXXX XXXX XX/XX/2022 XXXX XXXXE XX/XX/2022 XXXX XX/XX/2022, XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate and so much more. This grounds for removal they also violated my rights under 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 Account name : XXXX XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX ( XXXX has it XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX The credit bureau took less than 30 days to complete my investigation, here is my complaint ID # XXXX opened on XX/XX/2022 but a lot of inaccuracies still. Now is not the time to update as they need to be removed!
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau continues to violate my consumer rights by reporting XXXX XXXX XXXX on my credit report as a charge off collection account. I have never consented to having a business relationship with this creditor. This account is fraudulent. I have continually disputed this account with Experian.
Product: Debt collection

got debit coll noticed, didnt mention debt owe to who
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports. 

XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$82.00} XXXX XXXX GROU {$120.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
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 : Home Loan XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution, XXXX XXXX XXXXXXXX, and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect its consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XXXXXXXX XX/XX/XXXX {$81000.00} XXXX   XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX   XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XX/XX/XXXX {$630.00} XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX   XXXX XX/XX/XXXX {$5000.00} XXXX XX/XX/XXXX {$280.00} XXXX XXXX XX/XX/XXXX {$250.00} XXXX XXXX XX/XX/XXXX {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX TXXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX ''