23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I keep receiving letters from Rocket Mortgage that my insurance which I pay on my own ( no escrow ) was lapsed from XX/XX/XXXX to XX/XX/XXXX. 

That is wrong and invalid. 

I am insured through XXXX XXXX company from XX/XX/XXXX through XX/XX/XXXX. I make quarterly payments. The last quarter payment was due of XX/XX/XXXX but I inadvertently delayed the payment and made it on XX/XX/XXXX. The delay triggered a letter from the insurance company threatening cancellation on XX/XX/XXXX but since the payment was received well in advance of that, there was NO CANCELLATION. 

I received a letter from XXXXocketMortgage stating that they were charging me for canceled insurance. I called RocketMortgage on many, many occasions letting them know of the mistake, that my insurance was never canceled, uploading the proof of no balance from my insurance company, and had them contact my insurance company and personally verified that no cancellation occurred. XXXX occasion of those calls was on XX/XX/XXXX where they noted that the insurance was in place but apparently did not note that the insurance was never lapsed so that it is still recorded as such. 

I sent them all the documents proving this case, including the bill from the insurance company showing XXXX balance, my declaration page showing my insurance, my bank statement showing payment on the XX/XX/XXXX - well before the XX/XX/XXXX which was when the insurance company was supposed to cancel the policy. I am not sure what else I can do. They refused to understand the facts that instead want to charge me for insurance arguing that I was uninsured from the period that the insurance company on their letter threatening cancelation ( XX/XX/XXXX ) and the XXXX of the dates I called to let them know it was never canceled ( XX/XX/XXXX ) where they recognized the plan was in place. They just would not recognize the plan was in place all along and are charging me for a lapse period even though there was no lapse. 

This is beyond frustrating.
Product: Vehicle loan or lease

Lease term was for 3 years with Chase Auto Finance. After the final payment on the lease was made, we requested to purchase the car and were sent paperwork along with a final amount due to purchase the vehicle. We procured a cashiers check for the amount of {$18000.00} and had it sent via XXXX. The check was delivered and received on XX/XX/XXXX ( 7 day before the termination of the lease agreement ). On XX/XX/XXXX the check had not been posted, so I called and was told that processing of payments required 10-15 business days. I called again on XX/XX/XXXX to inquire about the process and was told to call back again on XX/XX/XXXX. On XX/XX/XXXX I called and was told that the check and paperwork had not been located, that an investigation would be opened into the status of the check. During the XX/XX/XXXX call I was told that the payment team would send a physical letter to my address regarding the outcome of the investigation within 1 week. On XX/XX/XXXX I call again and was told, after speaking with an escalation specialist, that the check was located and the payment process would be expedited. On XX/XX/XXXX I open some mail to find a letter drafted on XXXX XXXX indicating that I have defaulted on my lease and unless immediate action is taken, Chase may begin the process of repossession of the car within 10 days of the letter. On XX/XX/XXXX I call Chase and speak with an escalation specialist as well as a member of the quality team. The member of the quality team assures me that the delinquency being reported to the credit bureaus would be back dated, no repossession would occur, and that I would have a response as early as the end of the day Monday XX/XX/XXXX or as late as Wednesday XX/XX/XXXX. Having not been contacted, again I call Chase motor finances on Thursday XX/XX/XXXX and spoke with a member of the quality team that informed me that no check had been found yet and that they would continue the investigation but would likely not have any news for me until the beginning of the new year. I have still not received a letter from the payment team and at this point I am concerned with the damage being done to my credit and the likelihood of repossession of a car.
Product: Student loan

On XX/XX/XXXX i sent a good will letter and requested that I be given another chance by deleting the late payment for XX/XX/XXXX and XX/XX/XXXX on my credit report.i have been an excellent customer with a good payment history until the economy took a dive.i love navient and all the payment options.it has been 40 days and I have not received any correspondence letter.
Product: Debt collection

My issue is with all three bureaus as well as the following collection agencies : XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX and XXXX XXXX XXXX. 
I sent a letter of verification dated XX/XX/18 to all three bureaus, but received responses that the debts were verified as accurate and the accounts remained on my credit report. 

I sent follow up letters to each bureau, dated XX/XX/18 asking how the bureaus verified the accounts without documentation bearing my signature. The bureaus failed to enforce the creditors ( XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX and XXXX XXXX XXXX to show proof of any such accounts. 

XX/XX/18, I then sent a validation of debt, directly to each of the collection agencies with either no response or responses that were not validations. 

XX/XX/18, I sent yet another letter to the bureaus stating that the companies havent responded or failed to prove the debt and to date, have not received anything from either bureau! 

Today is XX/XX/18! Ridiculous! This all literally started in XXXX and its almost XXXX. Do companies no longer have to abide by the law?
Product: Checking or savings account

Was a wells fargo customer from XXXX to XXXX. Wells Fargo charged me multiple overdraft fees by manipulating the order of transactions. They also opened up a ghost credit card in my name fraudulently without my consent.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries was made by the credit inquiries listed below. However, these inquiries was not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Equifax Credit Bureau.I have verifiable court documents, proof from the agency ( Attorney General Texas Child Support Account number # XXXX ) reporting info. And it is opposite of what Equifax is reporting. Equifax is Reporting my account over 120 days late. Equifax says they have verified it, but there is no way. I have submitted documented proof admissible in a court of law showing all my payments have been up to date. They must correct this info or delete the derogatory info. They deleted it once only to put it back 2 months later. It has hurt my ability to obtain credit. I have filed complaint with Equifax 2 times online and 3 on the phone always getting answer verified. And 2 times written to Equifax with the same answer. This is false info. I have submitted all documents proving my case. Please help me as this info they are reporting for Attorney General Child Support account # XXXX is totally false. I am attaching all documents for you to see. I have asked over in over to correct it or delete it from my reports. They are violating the law. I ask that this be permanently deleted from my credit report. I have documents of payments being current that is admissible in a court of law. I have attached all legal documents and identification which shows my payments are not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXExperian : violated my rights under 15 Usc 1681 section 602 A. States I have the right to privacy. 15 Usc 1681 section 604 A. section 2 Also states a consumer reporting agency can not furnish a account without my written instructions please help me with this matter as soon as possible thank you
Product: Credit reporting

Today is XXXX/XXXX/16. I am an officially notified XXXX recent former Federal Employee, that WAS compromised in the successful hack attack on XXXX databases. I subscribed to the XXXX recommended XXXX XXXX Monitoring program. In an email from XXXX, dated XXXX/XXXX/XXXX, I was given a XXXX XXXX. Today I 've accessed my account with them and see that on XXXX/XXXX/16 " an unwarranted '' inquiry was made to my credit report and was described as follows at XXXX : " XXXX obtained a copy of your EQUIFAX Credit Report. " I have not been engaged in seeking new credit that would warrant this inquiry. I am unable to determine whether it meets your before criteria of either " hard or soft. '' To me, it has been UNWARRANTED, and the company requesting LACKED LEGAL AUTHORIZATION from me to do!!! I 've check on line about the supposed name of the company " XXXX '' and see that it 's been linked to numerous complaints in the past. Since this is NOT authorized by me, through a new credit application, I would like to have this inquiry identified as " inappropriate '', and that I as the Consumer be PROTECTED FROM HARM by their actions.
Product: Credit card

Since the inception of this credit card, there have been questionable practices. I experienced a dispute that extended over 15 months, during which I was consistently charged interest. Despite the understanding that the disputed amount would be credited until resolution, it was never applied, resulting in continuous accruement of interest. The matter was resolved after 18 months, but I never received the interest refund, and regrettably, it slipped from my attention.

Subsequently, I encountered an issue with paying a bill through my bank checking account. Oddly, although I selected a specific account for payment, the credit card company attempted to draft from a different payment source on file. While this scenario seemed unlikely, as I am the only one who could have made that selection, there were discrepancies. Typically, I receive notifications specifying the account from which a payment was received, but for this particular transaction, the notification only displayed the amount. Despite speaking with an agent who acknowledged the questionable activity and refunded one charge, the issue persisted. Though the agent couldn't provide an explanation, I assumed the matter was resolved. 

However, additional charges continued to appear even after reaching a {$0.00} balance. I paid a subsequent {$130.00} charge, but then noticed an additional {$13.00} labeled as interest, seemingly billed at an unusual time compared to the previous month. The billing date shifted from the XXXX to the XXXX in XXXX. 

I strongly believe this company should be investigated for fraudulent practices. Despite abstaining from using the card since the {$600.00} payment, unwarranted charges persist, causing considerable distress. I seek assistance in resolving this matter promptly, or possible class action suit, because I can't be the only person having problems with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For XXXX XXXX  XXXX XXXX  open XX/XX/XXXX with a balance of {$9800.00}, I informed all 3 credit bureau and only XXXX complied. Transunion and XXXX and XXXX XXXX have not yet removed the information after several disputes and complaints. 
For XXXX  XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$4700.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX open XXXX XXXX XXXX with a balance of {$380.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$720.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX XXXX XX/XX/XXXX with a balance {$23000.00}, I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints.
Product: Prepaid card

XXXX XXXX XXXX Bank of America Customer Service Department XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear Sir/Madam, I am writing this letter to request compensation for the inconveniences, time, and efforts that I have spent dealing with my account at Bank of America for the past XXXX years. In total, I estimate that I have dedicated approximately XXXX hours to resolving issues with my account. This has not only been a significant drain on my time and resources but has also caused immense stress and negatively impacted my health. 

The constant issues with my account have taken a toll on me both financially and emotionally. The stress and anxiety that I have experienced as a result of these problems have had a detrimental effect on my already compromised health. I firmly believe that the compensation I am requesting is fair and just, given the circumstances that I have been subjected to. 

In addition to the time and effort spent on resolving these issues, I am also facing the burden of an unpaid loan that now amounts to around {$16000.00}. This further adds to the financial strain that I am currently under due to the ongoing problems with my account. 

I kindly ask that you consider all that I have been through and the impact it has had on my life when assessing my request for compensation. I strongly believe that I am owed a fair amount for the hardships that I have endured as a result of the bank 's errors and negligence. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution. Thank you for your understanding and consideration. 

Sincerely, XXXX XXXX XXXX if u need any documents i will be happy to provide what ever it is I need.
Product: Credit reporting

I properly disputed an unrecorded lien on my credit report to no avail. There is no recorded lien or released lien # XXXX from this Court for this date for this amount. I have documentation from XXXX County Recorder of Deeds that supports my dispute of this erroneous entry on my report.
Product: Debt collection

LVNV funding LLC is stating I owe them money and showing in collection on my credit file. This is identity theft and I have no knowledge of this account nor have I signed a contract or anything showing my signature with LVNV funding LLC. This is fraud and should be deleted off credit files and account closed and removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I ( XXXX XXXX ) deposited XXXX XXXX dollars into an account with Robinhood ( RH ) Financial, Llc. The money cleared my bank account on XX/XX/XXXX. My account has been frozen since XX/XX/XXXX. I can not access the account. I have tried in vain to get in contact with someone through email and phone. They have ignored my request to cancel the account and return my funds. They have responded once by sending me an email to verify my identity. I sent the required information twice. No reply has come from them at this point. I was able to set up the account ( which means I had to send all of the same information when I started the account ) in 24 hours. 24 hours to verify my ID to set it up but over5 days, and counting, to let me back into the account. I have read several complaints about being locked out from 1000s of others on XXXX and on their app reviews. This is criminal to take money then lock people out of their accounts. They are taking money and using it for themselves. This is the complete opposite of what robinhood did. Please send to prosecute for theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of things on my report XXXX XXXX XXXX XXXX XXXX isnt mine at all 2 there are two NCA i dont know what that is not mine i need my repor updated and the items that should come get it off of there
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding ChexSystems. In XX/XX/2022, XXXX XXXX false made a report to ChexSystems regarding me. I disputed the matter directly with XXXXXXXX XXXX and ChexSystems as well. The information submitted by XXXX was false and should not have been reported. 
ChexSystems received my dispute, investigated the matter, and DELETED, the information. Now, the very same information has reappeared in the report and they are refusing to remove. 
The information from XXXX was not accurate and they did not respond to to substantiate the alleged information within the time allotted by law. 
This information, under FCRA, is not permitted to be reported again and again after being removed and deleted causing me to have to dispute over and over. 
I am attaching a report from XX/XX/2022 that clearly shows that the item had been removed and this is what the letter from Chex stated. The original report from XXXX had been made in XXXX so it is clearly removed.
Product: Mortgage

XX/XX/2021 Called to inform them that I was refinancing and taxes were due by XX/XX/2021 and needed escrow to pay in order to refinance. 

XX/XX/2021 follow up and informed them that I couldn't wait and went ahead and paid taxes out of pocket and would need the escrow refunded. 

XX/XX/2021 refinanced and balance paid off. 

XX/XX/2021 received a letter informing me that escrow is being processed. 

XX/XX/2021 alleged day escrow was mailed out by mail XX/XX/2021 filed with XXXX to get assistance 20days after XX/XX/2021 Got a call that payment has been overnighted. Still no information
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 
XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX/XXXX  XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I had to hire a credit repair company to work with numerous creditors due to identity theft issue. These creditors were unable to provide valid information and now these accounts have gone to third parties for debt collection. Again I requested validation and have been unable to obtain debt validation. I then decided to reach out to all three credit reporting agencies to inform them of the issue along with supporting documentation. Unfortunately, All I get from the credit reporting agencies are emails stating that the incorrect information would continue to stay on my credit report. I ask that my credit report be corrected. All information has been submitted to them numerous times for each of these accounts. I am at a loss as to what additional information I should submit in order to correct the issue. I am asking for help from the CFPB to correct my information. I have a attached one of the many letters I have sent to XXXX as well as TransUnion and XXXX as a sample of the type of information I have requested from several of these creditors. As additional information I have included my CORRECT AND COMPLETE NAME and REPORT NUMBER : XXXX XXXX ; Report # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company that shows up on my Equifax credit report is XXXX. This collection was supposed to fall off by now as its older than 7 years. It keeps re showing up on my credit profile. Secondly, I sent them a debit validation letter, because I have no knowledge of this account ( I have never even had sprint as a phone carrier ) they sent me the validation but the address wasnt even correct on the paperwork that they sent me. I disputed with Equifax, but they still said it was valid. Is is 100 % not valid for two reasons.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.