23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a refund from my Insurance company ( XXXX XXXX ) and I called asking why I received a refund and they said that they cancel my policy due to non payment from Rocket Mortgage. But because there was an issue with the first check, Rocket Mortgage sent out the second check the next month. But the check did not arrived in time and my insurance was cancelled. I called Rocket mortgage to fix this and they dial my Insurance company to get this reinstated and made sure that no fee will apply to me. Then I received a letter stating that I will be charged {$72.00} due to lapse in insurance between XX/XX/2022 to XX/XX/2022. On XXXX XXXX called asking about this issue and they said it was a valid charge. I then called XXXX XXXX to explain about this issue. I have paid my monthly mortgage/ escrow account in a timely manner but because Rocket Mortgage failed to confirm that my money has reached my insurance in a timely manner, I will be charged {$72.00} and insisted that they are not at fault because they sent it out in time without confirming payment. There is no receipt confirming payment or anything from XXXX XXXX. But because I am the burrower, they want to charged me this {$72.00} fee due to policy. I then called again today ( XX/XX/XXXX ) and spent over an hour having this conversation with Rocket Mortgage and their argument is that this is a valid fee due to them just sending out the money and I am arguing that this is not a valid fee due to Rocket Mortgage negligence to confirm payment. They refuse to remove the fee and they wanted my insurance to extend the coverage to those dates in order to remove it. I told them the insurance will not do it and I even call the XXXX XXXX agent that is assigned to me and confirm that they can not extend the coverage. They insist that they want to make the phone call but I ask them what happen if XXXX XXXX refuse to extend the coverage? Their answer is that they will still charge me {$72.00} due to the reason still being " Valid. '' Now I am still waiting for their call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX {$1000.00} violation To Whom it XXXX concern : I, XXXX XXXX, consumer XXXX and natural person, am aware of all the rights that I have, and which are protected by The Congress of The Fair Credit Reporting Act ( FCRA ) .Im contacting you because XXXX, has violated my federally protected consumer rights to privacy and confidentiality and that you claimed to have completed a reasonable investigation with the furnisher of information and verified account listed below as 100 % accurate, However this account is still inaccurate and your company still continue to report errors on my credit profile and its been damaging my credit since XXXX XXXX XXXX. All three credit bureaus have inaccuracies. The account they have listed for XXXX isnt mine, inaccurate account numbers, inaccurate date opened, inaccurate balance, inaccurate last reported date, inaccurate last date active, and inaccurate date of last payment.I disputed this XXXX account several times and you failed to correct the errors each time. Now I want this XXXX account DELETED IMMEDIATELY! XXXX, illegally obtained person and private information under The Privacy Act of 1974 and 15 USC 1681 Sec 604a sec2 also states a consumer reporting agency can not furnish an account without my written instructions. I did not grant XXXX or XXXX permissible purpose to obtain the information then report, nor did the debtor. I havent been notified that my information is being provided to the highest bidders. I also request for XXXX account to be deleted as well for violations and unlaw acts according to the Family Educational Rights and Privacy Act -for students loans 16 CFR 6805 b- The will for non-compliance, As a consumer, and natural person I am invoking specified remedy and make the following demands : -Cease and Desist reporting of the account name filings to all consumer and reporting agencies -Remove reporting of the account name filings from all consumer reporting agencies. 
-Delete this account immediately no more investigations you reported these inaccuracies for three years now and none of documentary evidence was shown for what I requested. unless you want to be held for a {$1000.00} a violation and for damages as well. 
Ignoring this Cease and Desist will be evidence that the infringement, were willing, deceptive and in violation of the ( FCRA ) The Following accounts I wanted deleted below : XXXX : XXXX Not mine all info inaccurate delete immediately - {$1000.00} XXXX off federal protected consumer, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting the account with Covington credit/SMC inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX  is reporting did not match the information that was reported by the other credit agencies. XXXX, AS WELL as XXXX could not provide validation so they removed it from my account but XXXX  still has not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

*XXXX  XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX* {$730.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX   XXXX* {$53.00} XXXX XX/XX/XXXX XXXX* {$9000.00} XXXX XX/XX/XXXX *XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX* {$650.00} XXXX XX/XX/XXXX *XXXX   XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX* XXXX XX/XX/XXXX *XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX* {$53.00} XXXX XX/XX/XXXX XXXXXXXX  XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX* {$480.00} XXXX XX/XX/XXXX -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX CLARITY SERVICES XXXX XX/XX/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 XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX &   XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I have a Delta Airline American Express Card, I used the card last year and was charged {$95.00} Fee, I have not made any purchases since last year and made payments every month. I was charged {$95.00} fee again this month. I called they told me I will not get any millage credit, I cancelled my credit card and asked to get credit for {$95.00} fee, they said it will take 45 days to get credit. I am a senior citizen, I don't think I should pay over 21 % interest rate on membership fees. I will contact congresswomen XXXX XXXX if I don't get credited right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint ( this time ) is with myEquifax. I'm getting extremely tired of doing this!! 

The biggest scam going on in the credit reporting market is how all these companies operate. I'm not paying for their services if all I receive is a summary and a score. They completely " play us for fools '' by hiding information, information that needs to readdressed by XXXX on what we should be entitled to! Who knows ... this might be changing yearly by financiers. And XXXX, a XXXX XXXX service, needs access to our phones for simply log-in purposes. 

Reporting is not monitoring and this needs to come down hard on all the three major credit bureaus. Inquiries run rampant as far as I'm concerned, and bills go unpaid to their pleasure!! Something needs to get done drastically.

... And all I'm simply looking to do is to see what my Debt to Credit ratio is!!!!
Product: Mortgage

XXXX XXXX  was the original holder of my mortgage. During ( in the middle of or further along in bankruptcy ) XXXX XXXX  transferred or sold my mortgage to Carrington Mortgage. From day one of the transfer the data was and calculations were confused. I know for at least three months I paid more than than what was required. When I asked where if the overpayment would be applied and carried over to payment due I was told they can't be ; the system doesn't allow it. I was given incorrect information regarding partial payments unapplied. I was given a hard time if I asked to be transferred to the bankruptcy dept., at other times transferred immediately. I have requested a breakdown of the account and not received anything, received illegible computer screen shots I have attempted to pay my mortgage on line, over the phone to finally send through my XXXX XXXX to insure to have a reference number from a third party. 
The confused, inadequate list goes on and on. All of this during a pandemic. 
Any assistance would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of items from my credit report that are inaccurately reported as charge-offs and collections. However, according to IRS regulations, a canceled debt, collection or charge-off is classified as income. As such, these accounts should have been reported to me with a 1099- C form, which I have not received. 

The IRS explicitly defines a canceled debt, collection or charge-off as taxable income. The failure to issue a 1099-C for any forgiven debt over {$600.00} under Internal Revenue Code 6050P. The failure to issue a 1099-C for these debts is a breach of federal tax reporting requirements.

Furthermore, under UCC 9-210, I have the right to request an accounting or verification of the obligation being reported. The absence of proper documentation, such as a 1099-C, supports the conclusion that these debts are inaccurately reported. 

Since I have not received a 1099-C for these debts, this indicates that these accounts are incorrectly reported on my credit report as debts rather than income. Reporting these accounts as debts without proper verification and documentation is both inaccurate and misleading. 

I request that you promptly investigate and remove these accounts from my credit report to correct this error. Additionally, under UCC 1-308, I reserve my rights to dispute any further inaccuracies or improper actions regarding my credit report. 

I look forward to your prompt attention to this matter and request written confirmation once the updates to my credit report have been completed. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXXXXXX XXXXXXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has sent collection notices, called and harassed me this past Wednesday ( the same day we were BURYING my grandmother who just died the previous XXXX ). They are falsely trying to collect on a debt not even 'owed ' at all to the XXXX XXXX service ( whom will not even schedule a package pick-up at all, until the postage/handling fees are already paid to them online ( prepaid ) first ; In excess of over {$250.00}. This company needs reported for their activities and extortion attempts. I only pay the ORIGINAL creditor ( s ) and I pay them 'directly '. It will NOT reflect on your credit positively, otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a review of my credit report, I discovered accounts unknown and unauthorized by me and these accounts in questioned are hindering me from buying a house, So Im demanding that these accounts be blocked and removed from my credit files. 

1. XXXX XXXX {$110.00} 2. XXXX XXXX {$960.00} 3. XXXX XXXX {$350.00} 4. XXXX XXXX XXXX XXXX {$120.00} 5. XXXX XXXX XXXX XXXX {$1500.00} 6. XXXX XXXX XXXX {$2300.00} 7. XXXX XXXX {$120.00} 8. XXXX XXXX {$130.00} 9. XXXX XXXX  XXXX {$610.00} 10. XXXX XXXX  XXXX {$830.00} 11. XXXX XXXX XXXX {$1200.00}
Product: Debt collection

I saw that this company that I have never had any dealings with Rent Recovery Solutions on my credit report. I sent a debt validation letter via certified letter on XX/XX/2024 and another Debt validation letter via the companies email ( XXXX ) on XX/XX/2024. The company received the letter on XX/XX/2024. They sent me information via mail but the information that was received was not VALIDATION on the debt. I reported to XXXX  and the companies response was their lawyers have viewed the information and stated its correct. Thats where Im confused at I specifically asked for information to Validate the debt not what your lawyers think. If you are not able to send the requested information you must stop the negative reporting on my credit report. Per the Fair Debt Collection Practices Act, 15 USC 1692g you have not met this. I ask that this be removed from my credit report immediately and remind them that its a {$1000.00} fine per violation of consumer rights. I have attached the information they sent to me to validate the debt and also the debt validation letter I sent them via email with the information that was requested and not received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint due to Experian 's, XXXX failure to accurately maintain and correct errors on my credit report. Despite my numerous attempts to address these issues directly with Experian, they have failed to remove inaccurate negative items from my credit file. This negligence has caused significant harm to my financial well-being, including a lower credit score, denied credit opportunities, and financial stress. 

Specifically, I have identified the following issues : Negative Items That Should Be Removed :
Product: Credit reporting or other personal consumer reports

I have tried on several occasions via CFPB, phone calls and direct disputes through Experian to send me documentation on how they were verifying the XXXX XXXX  account reported on my credit report. I specifically ask them to give me the names, phone number and person or persons theyve spoken with that verified the account. They continuously tell me that they do not have to furnish that information. This company was recently sued by CFPB for not properly investigating accounts. I am writing again to formally dispute information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), U.S.C. 1681, which requires credit reporting agencies to conduct a reasonable investigation of disputed items. 

Recent finds by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), and information found to be inaccurate, incomplete or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.
Product: Debt collection

I have requested on multiple occasions to request validation of this alleged debt that XXXX claims I owe and still there is none provided Certified Mailing # XXXX XXXX XXXX XXXX XXXX letter dated XX/XX/20XXXX 2022
Product: Checking or savings account

Yesterday I made a deposit of XXXX. A check of XXXX dollars XXXX dollars in cash. This transaction was made at a US Bank location XXXX XXXX in XXXX CA. The date of this transaction is XX/XX/2023 at XXXX pm. A family friend gave me this check because I am about to be evicted. Today XX/XX/2023 was the last day for me to pay the full amount or I was to be expecting police at my home. I asked the teler when the check would be cleared and they told me that it would be cleared by this morning XXXX.After multiple calls of contacting us banks customer service as well as speaking to the teller at the branch location I heard the customer service representative say that due to possible fraud USBank has placed a hold on the check until the XX/XX/2023. Both the branch and the customer service representatives told me that there was nothing they could do. I need this escalated because this is not ok. I've deposited larger amounts in the past with no problem at other banks. This is the 1st time a bank has done this. It's affecting my lively hood.
Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. Also, demand these inquiries be removed from my credit profile I didn't initiate any of them. I ask that these items be deleted to correct my credit report. Fraududlent accounts : 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: Debt collection

I have paid all open medical claims, this collection company is practicing extremely inappropriate tactics. I am now seeing open balances, and inquiries on my credit. I had paid this, left numerous messages, and spoken to various reps after extremely long wait times and language barriers. You have now impacted my credit, and have failed to uphold yourselves as any sort of legitimate business in my opinion.
Product: Credit reporting or other personal consumer reports

I requested the freeze be removed and its still on my credit preventing me from getting things that I need
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. 

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  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # 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 instructions.
Product: Credit card or prepaid card

XX/XX/2021 - Two charges, each of {$2800.00}, made to our Southwest Rapid Rewards credit card. Charges were for booking cruise with XXXX XXXX XXXX. 
XX/XX/2021 - Received email from XXXX XXXX XXXX that cruise was cancelled. 
Around XX/XX/2021 - Placed disputes on charges of {$2800.00} and {$2800.00} as XXXX XXXX communicated that refunds would not be given until 4-8 weeks later. 
XX/XX/2021 - Removed disputes on both charges in hopes of utilizing monies towards future cruise, received credits, etc. ( see attached XXXX XXXX cancellation email ). 
XX/XX/2021 - Booked NEW cruise with XXXX and was told that amounts for cancelled cruise could NOT be used as the dispute transactions were received. 

Asked Southwest Rapid Rewards to again apply disputes, but was told they were not able to, once they were released on XX/XX/XXXX. Chase Disputes team communicated that we must request refund from XXXX XXXX XXXX. 

For several months I have been in communication with XXXX XXXX XXXX and have asked for a refund on {$5600.00} ( two payments of {$2800.00} ). Each time the finance department researches my request and they come back saying that those payments were never received ( see attached email from XXXX saying no payment received ). 

On the other side, Chase Disputes team ( on behalf of Southwest Rapid Rewards ), say they have also researched the issue, and they say that they have received confirmation from the merchant bank for XXXX XXXX that both payments of {$2800.00} were received on XX/XX/2021. 

On one hand XXXX XXXX  XXXX  XXXX  says no payments were received, thus there are no amounts to refund. On the other hand, we have two Re-Bill charges of {$2800.00} that show on our XX/XX/2021 credit card stamenet from Southwest and Chase Disputes team saying they have received confirmation from XXXX XXXX ' merchant bank that funds WERE received. Both of these statements can not be true. Neither party will provide us tangible/physical evidence to their analysis and conclusion so that we could then go to the 'other party ' with actual proof. 

Either way, we are not liable to pay Southwest Rapid Rewards {$5600.00}. Mainly because XXXX  XXXX  say they have not received those funds, and second, Southwest/Chase will not help us in resolving this situation.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, someone hacked into my account and used saved debit card information with TAPTAP SEND to make XXXX international transfers to XXXX XXXX in XXXX for {$1100.00} and {$320.00} respectively. Transaction numbers XXXX and XXXX. I have no friends or relatives in XXXX. I had never sent money to XXXX. I immediately contacted TapTap Send once I got the fraud alert from my bank. They have not done anything to reverse the charges. I have called them repeatedly, and they claim that this was a mobile cash and there is no way for them to investigate this. They can not contact XXXX authorities because there was no physical address or bank account