23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I'm sorry your software makes all of the following run together. 

XXXX, XXXX- received emailed letter that my XXXX mortgage ( remaining $ XXXX ) would be transferred to Rocket Mortgage effective XX/XX/XXXX. 

XX/XX/XXXX, I started paying the loan down - they only let me transfer $ XXXX a day and I didn't make it. 

As of XX/XX/XXXX ( a Saturday ) the transfer date, I still owed $ XXXX. 

XX/XX/XXXX - tried all day to reach a human at Rocket Mortgage - I wanted to pay $ XXXX today and $ XXXX tomorrow and have the loan paid off, more or less. 

XX/XX/XXXX - finally reached a human -she said repeatedly that Rocket would not have my information, and I could not make a payment, for at least XXXX weeks. I repeated over and over that this will cost me additional interest. She denied my request to speak to a supervisor. She denied my request to make a record of my call and concern. She told me that once they get my information, I can discuss my concern about the additional interest charges. I was very polite. She was polite but was like a rock. 

Allegation : Rocket Mortgage should have ensured all records were transferred over by XX/XX/XXXX. I should not be penalized by having to pay extra interest because they can't accept a payment from me today -- that's their error, not mine.
Product: Payday loan

I have received a call from XXXX XXXX XXXX XXXX regarding a payday loan. My SSN # has been compromised and I have filed with the IRS and FTC. This company has threatened to serve me papers at my employment, speak to my supervisor regarding a personal business matter and said if the matter goes to court I will have to pay attorney fees which could be XXXX to XXXX the amount of the loan. She wanted to resolve the outstanding balance of {$400.00} to stop the proceedings. I was never given the memorandum and she told me I 'm lying.
Product: Vehicle loan or lease

I was told that I was going to be a co-signer for a car loan from XXXX I es informed I was only going to be in a 6 month contract as co signer I ended up being he primary holder on top of it they later told me theirs no such thing as a 6 month co signer they call me demanding payment every month and on top of it all I got screwed by the man who I was co-signing for because the interest is more than theyactual payment if the car a the man I co sign for decided he didnt want it I went to talk to the financial department and the person whom assist us that day we went and was told he didnt work their any more
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are governed by 15 USC 1681. After providing my vital information XXXX, Transunion, and XXXX disregards my protected rights under XXXX XXXX XXXX and continues to violate my rights over and over. 

According to the FCRA AKA 15 USC 1681 i never authorized any credit reporting agency to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report. 

I have not received any response from XXXX, Transunion, and XXXX by mail or email. XXXX Transunion, and XXXX has failed to verify its method of verification as required by the FCRA. 

Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record XXXX or its agents never had my consent/permission to furnish such account ( s ). 


Regarding this matter if XXXX, Transunion, and XXXX choose to continue to violate my rights please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to XXXX, Transunion, and XXXX inaccurate/false reporting. Please attach if any an authentic signed contract whereas I gave XXXX, Transunion, and XXXX permission to report this account ( s ) mentioned herein as it will be used for my own and a judge 's inspection if this matter escalates to trail to contest these matters. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ATTACHED- FCRA With section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]
Product: Money transfer, virtual currency, or money service

My square account received an email from the square platform in XXXX 

square is a company owned by Block , Inc . 

My account was deactivated by square, and my account funds will remain in square! But I will receive my account balance after 90 days of deactivation! 

Now my account has reached the release time! But square didn't release my funds! 

I contacted an internal member of square several times and he replied that he had upgraded the case internally and that his account service team would send me an email in XXXX days! 

I waited XXXX years for my case to be resolved, and square 's account services team didn't send me any emails!
Product: Credit reporting or other personal consumer reports

I am submitting my fourth communication and follow-up to my recent correspondence dated XX/XX/XXXX, addressing the matter of identity theft. As a victim of this crime, I dispute the items in my file associated with the incident. It is crucial to reiterate that these contested items are not connected to any transactions involving the acquisition of goods, services, or funds that I have initiated or authorized. I kindly request the removal of the records of these items from my credit file, attributed to the alleged identity theft. Additionally, I have attached my filed FTC report # XXXX for your reference : 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 am writing to express my deep concern about the security of my personal information, as I have observed inaccurate items repeatedly appearing on my credit report that are unrelated to me. I am highly concerned about the potential risk of unauthorized access this may pose.
Product: Checking or savings account

I never received my  XXXX  form 1099-INT from Santander for either my checking or savings accounts that I opened on XX/XX/XXXX  and closed on  XX/XX/XXXX . I contacted them by phone in  XX/XX/XXXX  to check why I had not received the form ; the customer support agent told me that they would re-send the form to my mailing address. I have not received it yet, and at the time the agent refused to provide a digital copy, so I do n't have an alternative way to access that information.
Product: Credit card or prepaid card

Yes I am owed XXXX since XX/XX/2021 I tried to get the bank to transfer the overpayment to my interest checking they refused to refund my overpayment and talk to me on the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 

I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX   AND EXPERIAN XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Mortgage

Chase committed fraud then claimed they didnt own the house now bought the house for {$500.00} which is well below market value. Their representative told me on the phone when he called from their " Executive Office '' SO WHAT IF CHASE BOUGHT IT FOR {$500.00} THAT IS NOT AGAINST THE LAW. Then they answer the complaint claiming JP MORGAN CHASE DID NOT PURCHASE THE HOME ... ... Please find attached the REFEREE DEED STATING THAT THE PARTY OF THE SECOND PART ( JP MORGAN CHASE ) paid {$500.00} FOR THE RESIDENCE. THIS IS A PERFECT EXAMPLE OF THE CONTINUOUS LIES THAT JP MORGAN CHASE PERPETRATES. THEN THEY CLAIM THEY HAVE ALREADY ANSWERED THE COMPLAINT. THE ONLY ANSWERS THEY HAVE GIVEN ARE INACCURATE FALSE AND COMPLETE FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Violation of Consumer Rights- Discrepancies in Reporting To Whom It May Concern at Experian, I am writing to bring to your attention a matter of grave concern regarding the accuracy and fairness of the information contained in my consumer report. Upon a thorough review, I have become aware of potential violations of my consumer rights in accordance with the Fair Credit Reporting Act. Specifically, I am referring to my XXXX XXXX account numbered # XXXX. 

The Fair Credit Reporting Act, in 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ), clearly states that " the term consumer report does not include any report containing information solely pertaining to transactions or experiences between the consumer and the person making the report. '' Notably, late payments constitute transactions and utilization represents an experiential aspect resulting from credit usage.

Regrettably, I have observed that Experian has included entries indicating late payments on multiple accounts, without a comprehensive list provided. Furthermore, these entries inaccurately portray utilization experiences stemming from credit usage. It is pertinent to highlight that I have not authorized XXXX, in writing or otherwise, to include such information in my consumer report, including the depiction of late payments and utilization data.

In accordance with 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are authorized to furnish consumer reports solely under specific circumstances outlined therein, and only as applicable to the consumer to whom the report pertains. I wish to emphasize that I have never provided explicit instructions to XXXX for the inclusion of any particular information in my consumer report, especially concerning the misrepresented late payments and utilization data.

Furthermore, I would like to draw your attention to 15 USC 1681 602, which emphasizes the importance of fairness, impartiality, and respect for consumers ' privacy in the operations of consumer reporting agencies. It underscores the crucial role of accurate credit reporting in the banking system 's functioning and the detrimental effects of inaccurate reports on its efficiency. Unfair credit reporting practices also erode public confidence, which is essential for the continued function of the banking sector.

In light of the discrepancies noted in the reporting of these late payments, I am deeply concerned about the accuracy and integrity of my consumer report. These inaccuracies not only compromise the validity of the information but also infringe upon my privacy and consumer rights. I kindly request that you take immediate steps to rectify these discrepancies and ensure that my consumer report accurately reflects my financial history and standing.

I appreciate your prompt attention to this matter and your commitment to upholding the principles outlined in the Fair Credit Reporting Act. I expect that a thorough investigation will be conducted, and corrective actions will be taken promptly. 

Thank you for your understanding and cooperation.
Product: Debt collection

Arcon Credit Solutions is threatening to execute a judgment obtained without proper service, and there are concerns they might use it in a deceptive manner. I haven't informed them of this issue yet, fearing potential retaliation. 
Arcon Credit Solutions initially contacted me regarding an old debt in XX/XX/XXXX, representing XXXX XXXX XXXX XXXX. This was my first contact with them, and upon checking, I found the last activity on the account dated back to XX/XX/XXXX. 
In response, I disputed the debt due to exceeding the time limits for collection. I requested proof of the last activity date, stating that the debt surpassed the statute of limitations, and further discussion was unnecessary. 
They replied on XX/XX/XXXX, including a copy of a judgment granted on XX/XX/XXXX, which I was unaware of. They attempted to serve me at an address where I no longer lived, and hadn't for four years. 
Upon investigation, I found evidence suggesting they should have known about my new address. The lawyer who filed the suit, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, should have easily determined the correct address. This raises questions of either a failure in due diligence, an incorrect address from XXXXXXXX XXXX XXXX XXXX or a deliberate attempt to serve papers at an outdated address. 
The last possibility may seem like a strong allegation, but there are reasons supporting it : 1. I have a credit report from XXXX listing my current address since the change in XXXX, available to any collection agency. 
2. Letters from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, representing XXXX XXXX XXXX XXXX XXXX show they knew my correct address. Speaking with XXXX XXXX XXXX they told me that it is the responsibility of the collector and not the holder of the debt, XXXX XXXXXXXX XXXX XXXXXXXX to update the debtors address and will sue skip tracing if needed to get this information. 
As I prepared to inform the court about this, Arcon Credit Solutions sent another letter threatening to execute the judgment. Given the lack of my knowledge about this judgment and its potential deceptive use, there should be a way to prevent them from taking action. 
My plan is to notify the court in XXXX XXXX, New York, where the judgment was filed. I hesitate to directly complain to Arcon Credit Solutions, unsure if honesty is the best course given potential retaliation. I hope filing a complaint with your office will lead to a resolution without retaliation or deceptive practices from Arcon Credit Solutions. 

Contact Information : I have confirmed that XXXX XXXX XXXX, XXXX. now works at XXXX XXXX XXXX and can be contacted via ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Verified through XXXX XXXX XXXX I have contacted XXXX XXXX XXXX XXXX Minnesota Location Corporate Headquarters and they told me to contact Acron. 
They are located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX I found a compliance office contact at XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, Chief Compliance Officer - XXXX / XXXX. 

Arcon Credit Solutions XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) Contact name listed as XXXX XXXX
Product: Debt collection

XX/XX/2019 XXXX agreed to stop collection as you can see in my cfpb account. RG financial filed derogatory report on my credit account on XX/XX/XXXX and XX/XX/2019. Please help me stop it as promised. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputing this account for a whole year now and nothing has been resolved and its errors all over my credit report and nothing has happened. I disputed my account myself several times over and over and EQUIFAX still haven't reached back out to me not one time and its been very frustrating. The date of last activity is incorrect the high balance also is inaccurate there's a lot of information that's on that's hasn't been fixed or deleted. 

So now I want to seek damages for financial injury. According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation or this account I've been disputing for so long deleted now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX Balance {$9900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting

In, XXXX I pulled my credit and found that I had a debt to the Ohio Department of Taxation and XXXX County Courthouse. So I contacted them and paid all taxes owed and additional fees to remove the tan lien with XXXX county courthouse, they gave me a receipt, a letter and verified it was paid in full and released and would be removed from my report. 

In XXXX the credit bureau places on my credit a tax lein of {$290.00} on both my names and spouses. So I copied my letter and wrote to all XXXX agencies asking them to remove or at least reflect paid in full. Instead of removing the nuts determined it was verified we owed ( but that it is not accurate as I have the orginial paperwork and contacted XXXX County records and Attorney General as you can also and they will share with you its paid. 

Regarldess in XXXX, I applied for a mortgage and it was on there again, It keeps going on and off I have disputed this atleast XXXX times. I attempted to dispute this week online XXXX XXXX, XXXX and I get a message stating that it can not be disputed XXXX times, despite the fact they have proof it was paid and are reporting that I still owe this debt. I called both the Ohio Attorney General Department of Taxation and collection and the XXXX County Court Clerk of records Divison that reported that it should not be on my credit and they stated they were not reporting to the bureau, instead they claim that this is the bureaus error. 
I pulled my credit and it shows unpaid {$290.00} for a tax lien by both agencies, in addition this debt was in XXXX/XXXX/XXXX and it has been reporting beyond the XXXX limit for paid tax liens. ( this is now XXXX years that they bureau has been reporting this as unpaid when it was paid in XXXX, below is the scanned proof. I am asking the bureau to remove immediately from both my credit and my spouses and send written verification they did so,
Product: Prepaid card

Cash app was shutdown and locked and my funds where taking off my card tried to call the company they didnt have any live agents to speak with so I never received my refund on my card and after that it was locked
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries harming my credit report and my life. I have called several times to dispute this information and Transunion has continued to errantly inform me to file an FTC report ; however, the FTC does not allow reports to be filed for credit inquiries not linked to a fraudulent account! 

The fraudulent inquiries on my report are as follows : XXXX XXXX from XX/XX/2021 XXXX XXXXl from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX from XX/XX/2021 XXXX XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX  XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX  from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 Members XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX
Product: Mortgage

My flood insurance for the year of XX/XX/XXXX was cancelled due to non payment from my escrow account. I was sent an over payment check from my escrow account that was supposed to be used to pay for my flood insurance, then told to me by your agent XXXX that this was a mistake on Quicken side ; this is not reliable business to have since I 'm living in a flood zone area in XXXX Va. Then XXXX tells me that I would have to pay the money back that I was n't expecting, to pay on a cancelled flood policy that has n't been pain on since XX/XX/XXXX.The money has been spent. 
I was not notified that I had to pay any money back when I received the check ; that 's a mistake that Quicken made. 
I have since got another flood insurance policy and paying much less than before ; there should be a change in my mortgage payments, why do I have to wait for a escrow analysis because of mistakes Quicken has made. I have also changed my home owners insurance for a decreased premium rate and still paying the same amount of mortgage. which brings me to another mistake Quicken has made, told to me by XXXX, by paying 2 premiums in the month of XX/XX/XXXX, for my home owners /hazard insurance, each payment was XXXX, WHY? why is my hard earned money being tossed around this way? I 'm amazed and not happy about this
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried fixing this on line but it hasn't changed and I haven't gotten any response
Product: Credit reporting or other personal consumer reports

I dont have XXXX XXXX XXXX XXXX XXXX XXXX and american express gold never opened thoes cards i dont want to effect my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX  XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}
Product: Credit reporting or other personal consumer reports

I provided the FTC Report directly to Transunion they confirmed they have got it XXXX XXXX  The department confirmed they received my FTC report!! I have a police report on file as well!! I am unfortunately the victim of identity theft these are not my inquiries!! I did not authorize them please delete immediately!!! 
Transunion : file number # XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> These are not my inquiries!!! 
They are fraudulent!! I did not authorize this please delete immediately according to the FCRA this is fraudulent inaccurate information Thank you!! 
XXXX XXXX