23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX problems have occured 1. Chase received my XX/XX/XXXX mortagage about XX/XX/XXXX. There was an error in processessing my check and Chase stated that my check was NSF, in reality it had never been processed by my credit union. Chase was promptly notified of this error by me on XX/XX/XXXX. The error was not corrected until XX/XX/XXXX timeframe after I had submitted a copy of the issued check. Chase reported this to the credit bureaus even though I had nothing to do with the check processing error. 
2. This account was current after XX/XX/XXXX after my XX/XX/XXXX mortagage payment ( cleared XX/XX/XXXX ) and XX/XX/XXXX mortgage ( cleared XX/XX/XXXX ) I pulled my credit report on XX/XX/XXXX and the credit report stated that {$3400.00} was past due as of XX/XX/XXXX. 
Both items listed above were caused by Chase Mortagage and my credit it being negatively impacted by their processing errors. In addition Chase is reporting erroreous information to the credit bureaus since this account was brought current on XX/XX/XXXX. To this date XX/XX/XXXX, the credit bureaus continue to indicate a past due balance of {$3400.00} as a result of Chase 's errors.
Product: Credit reporting or other personal consumer reports

XXXX auto finance is reporting my car loan 30 days past due when my payment was made on time. After speaking with the customer service department it has been identified that their app doesn't reflect what their online statements reflect. For the past 3 months I have been paying the amount owed as shown on the telephone app. In the month of XX/XX/year> my car payment was reported last due to their app showing a payment of {$550.00} was due I made a payment of {$560.00} thinking my account was paid as agreed. I spoke with an agent who advised that I must pay the loan agreement amount of {$560.00} opposed to what their system shows on their phone app. This information is misleading and confusing as a customer. I thought that I was paying what was owed due to what their system reflects just to find out that I can't trust the amount noted on the app. I also was never called as they had the incorrect number listed for myself and my husband, however in the app my phone information is listed correctly as when I need to verify my account they text me on the correct number to allow access to my account. I am also not receiving the hardcopy statements hence as to why I go strictly off of what the app reflects.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted disputes with XXXX, Equifax, and XXXX. Along with each dispute, I provided the required proof of identity and proof of address to ensure proper processing. 

As of today, XX/XX/XXXX, I have not received any correspondence or updates from any of the three credit bureaus regarding the resolution of my disputes. This lack of response directly violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus investigate and respond to disputes within 30 days.

I am requesting an immediate review and resolution of the issues I raised in my original dispute. Additionally, I expect a detailed explanation for the delay and confirmation of your compliance moving forward.

Please prioritize this matter and respond promptly. Failure to do so may result in further action to protect my rights under the FCRA.
Product: Credit reporting

Transunion. refuses to remove previously deleted itms from my credit report. XXXX XXXX and XXXX remain in the negative accounts portion of my credit report. depite numerious attempts to dispute the inaccracies and chapter XXXX bankruptcy proof provided to trans union. transunion has refused to place ginnys and XXXX XXXX in closed accounts. Transunion also refuses to to place student loans ( US department of education, XXXX, and XXXX in accounts in good standing. defferment and/or forberrance documentation was submitted in numerious dispute attempts previously.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX 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 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 noticed on both of my credit reports that XXXX and Equifax are reporting late payments that are inaccurate, I would like for this to be investigated and updated from late payment to on time paid as agreed. I have listed the account below that is negatively affecting my score Creditor : XXXX XXXX Account status Open Type Automobile Responsibility Individual Remarks No Info Times 30/60/90 days late
Product: Credit card or prepaid card

I have tried to have this problem answered. On Sunday I called Citi to find an answer to my question concerning {$89.00} which was part of a larger overpayment of my statement ending on XX/XX/XXXX only to find out none of the representatives I spoke to could give me an answer. What I received was " give me a moment while I take a look ''. The rep never comes back and the phone goes dead. This happened twice, no one ever came back and no return call and no email. When asking for a supervisor I was told " none available ''. I was looking for an answer to this : Statement ending XX/XX/XXXX. 

XXXX Payments due XXXX Charges XXXX Less Credits of XXXX Total due by XXXX XXXX Sent in and received on XX/XX/XXXX a payment of {$700.00} to be credited to my account. 

{$700.00} Payment XXXX Due Citi for charges and XXXX payments XXXX Balance to be applied where? 

I found {$19.00} cents applied as an add'l credit to flex plan # XXXX {$100.00} over payment - XXXX Applied to XXXX XXXXlan # 5 as add'l payment {$89.00} missing. Can someone find out about this and let me know. The reps I spoke to before being disconnected could not see what I was trying to say. To me it's basic math unless something is hidden in the statement that I can not see and I would say the same about the reps. XXXX  fixed charges + monthly charges-credits=amt due. 



THANK YOU XXXX  XXXX PS Now I will have to go back and check those months that I have made over payments..
Product: Money transfer, virtual currency, or money service

I deposited the ( CHECK from XXXX ) thru bank of america thru mobile deposit, suddenly after waiting for 5 business days, waiting for the check to be cleared, they told me the check is counterfeit and they gon na close my bank account for fraudulent action, its tottaly unacceptable and unfair, if its true that the check is real or not, how do i know? Literally ofcourse if somebody pays you a check, you gon na deposited to your acct, its not my fault to deposit a counterfeit check if its true, and i know the fraud department calls the check issuer to verify information of the check, so im so dissatisfied with the bank of americas action on just closing my account whatever reason they have, i just wan na return my account active coz i got salary from my jop thru bank of americas check
Product: Mortgage

Bank stated that they were unable to verify income which was not true ... we contacted ssn office ... brought my taxes as well as showed proof of all income, also I paid for an inspection for my home and no one ever came and citizens bank never returned my money which it was told that my XXXX $ would be
Product: Debt collection

I am disputing this debt with Medical Data Systems Inc. 
Account # XXXX {$340.00} Account # XXXX {$1800.00} Account # XXXX {$470.00} Account # XXXX {$270.00} Account # XXXX {$230.00} I have contacted Medical Data Systems and they were unable to verify this account as mine. They have failed to properly validate this debt. I originally disputed this debt about 60 days ago which is more than the outlined period time in the FDCPA. The collection agency Medical data systems has sent me an invoice from the original creditor XXXX XXXX Hospital which is a violation of HIPPA laws and did not protect my privacy and medical record from a third parties. I did not recall giving XXXX Hospital permission to release my medical information to a third party. they have sent an invoice but no documentation as a written contract or anything bearing my signature. I am disputing this debt and absent of such proof they must terminate this collection action and correct any erroneous reports of this debt as mine. The continued silence is unacceptable and they need to provide the proof or correct the record to remove the invalid debt from my credit files with the 3 primary credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, XXXX is violating my rights and the Fair Credit Reporting Act in particular 15 USC 1681 s-2 which governs furnishers if information. The law prevents furnishers of information from reporting income which is what XXXX is doing in the form of reporting a charge off which they reported bad debt and therefore deducted as income. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes their reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income.

The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says XXXX is a furnisher of information to a consumer reporting agency. 

XXXX is PROHIBITED BY LAW to furnish inaccurate information. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 And in addition they are continuing to report my account as late payments as well which is another violation. 

After seeing the inaccuracies On or around XXXX XXXX I sent a dispute letter to XXXX expecting for my concerns to be taken seriously and corrected as the law specifies. On XXXX I received a form letter back with a blanket denial which one of them stating that I had sent a dispute before, which I had for an unrelated issue. Instead of giving my correspondence the respect that it deserved they systematically denied it. 

XXXX has been in violation of the Fair Credit Reporting laws numerous times in the past and in fact recently just lost a large judgement for similar behavior which shows a pattern of intent to damage and defraud the public and is not learning from past judgments.
Product: Debt collection

Progressive Management XXXX XXXX XXXX XXXX {$980.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

Account Name : XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$170.00} Account Name : XXXX/XXXX  Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX/XXXX  Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX/XXXX  Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried deleting inquiries on XXXX over the phone. They denied my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out multiple letters showing I was involved in a Identity Theft. I asked for the incorrect information to be removed but there was no action taken.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaucomplaineds, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

otice to Correct Credit Report Dear __________________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1.capital One XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, 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

On XXXX I was scammed for. {$500.00} by someone pretending to be my friend! When I realized it wasn't her I immediately contacted Chase XXXX! It was to late, the money was already transferred and nothing could be done to stop payment!
Product: Debt collection

Disputed Collection After was paid in FULL. It Came OFF My report. Two Weeks later SAME COLLECTION Was reported as UNPAID. Disputed AGIAN, Collection agency reported as Collection UNPAID AGIAN. Tried to Contact Company and I can NOT Get a hold of Anyone from this company
Product: Mortgage

To whom it may concern, Subject : New Formal Complaint against Rocket Mortgages I am writing to file a formal complaint against Rocket Mortgages, the lender who has been handling my loan application for the purchase of a house in XXXX, Texas. 

I believe that Rocket Mortgages has acted in bad faith, breached the contract, and violated consumer protection laws, specifically the Truth in Lending Act, the Fair Housing Act, and the Equal Credit Opportunity Act. I applied for a loan of {$110000.00} from Rocket Mortgages on XX/XX/2023, and received a loan letter from them on XX/XX/2023. The letter stated that I was approved for the loan amount and that I had to make a down payment of approximately {$30000.00}. I accepted the offer and signed the loan letter. 

I submitted all required documents for my loan application in a timely manner, including income statements, bank statements, credit report, tax returns, and purchase contract. I also paid {$500.00} for the underwriting process. 

On XX/XX/2023, RockeXXXX Mortgages contacted me, informing me that they had changed the loan amount to {$100000.00}, citing high property taxes. They also requested that I increase the down payment by {$10000.00}. When I inquired about the reason for the change in the terms and conditions of the loan without my consent, they did not provide a clear explanation. 

Reluctantly, I agreed to their new offer, as I did not want to lose the house or the earnest money and the compensation paid to the seller. I managed to borrow {$10000.00} from my sister and sent them the revised gift letter and signed the new loan letter. 

I anticipated that Rocket Mortgages would finalize my loan application and close the deal by XX/XX/2023, as per the purchase contract. However, on XX/XX/2023, Rocket Mortgages contacted me again, demanding an additional {$12000.00} from me due to a purported miscalculation of taxes. They also asked me to resubmit some of the documents I had already provided in a different format. 

In response, I sent a letter expressing my frustration and refusal to pay any more money or resubmit any documents. Their actions have caused me significant stress and financial hardship, and I believe they have violated consumer protection laws. 

Rocket Mortgages ' behavior has been discriminatory and predatory, putting my home purchase at risk and jeopardizing my earnest money and potential legal repercussions with the seller. 

I request that you investigate this matter and take appropriate action against Rocket Mortgages. I also request that you honor the original loan amount of {$110000.00} and waive any additional fees or charges. I expect to receive a written response from you within three days of receiving this complaint. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards. 
I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX