23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, XX/XX/XXXX - I applied for a refinance with Quicken loans thru their Rocket Mortgage service. I was pre-approved. After discussing the application with one of there loan officers. I was told everything looks good and I just need to order the appraisal, I paid the {$390.00} appraisal fee. The appraisal came back to Quicken and I was told the appraisal came back much lower than estimated ( even lower than original value ) It was a little strange since the market in my area is and at the time was on the rise. I was ok with the decision but requested to see a copy of the Appriasal it my right since I paid for it out of pocket. I was told it will be mailed to me. I couple of weeks passed by and I did not get it. I tried calling and spoke to a customer service representative who claims the appraisal was emailed to me but I never received it. THe representative then said she will resend me a copy via email ( which I never requested in the 1st place it was supposed to be mailed ) and that she will also mail me a copy. I never rcvd anything. I moved on and admit did not follow up until last month XX/XX/XXXX. I spoke to a representative in client relations after I explained my situation. I was told that the appraisal was sent to a different email address but they could not confirm if it was mailed. The agent told me she was assure me that I will get the appraisal by XXXX. 2 weeks have passed and Im really tired of dealing with the phone agents who tell you what you want to hear but never get the work done. As I licensed MLO originator I can tell you that the MLO at quicken loans ( don't remember is name but im sure it can easlily be traced ) is misleading borrowers and steering them to loan products that benefits since commission. Once he found out I was not going thru with the loan cause I was not going to pay the XXXX he wanted at closing ( Wow where is the net tangible benefit to the borrower here? ) he ignored my requested and moved on. I just need a copy of my appraisal before I file suit for refusing to provide me with a copy of my appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today : XX/XX/2019 I went onto XXXX and noticed two unauthorized hard inquiries on my credit report. 
First company reported hard inquiry XX/XX/2019 from : XXXX XXXX, FL XXXX ( XXXX ) XXXX Second company reported hard inquiry XX/XX/2019 from : XXXX XXXX, DE XXXX ( XXXX ) XXXX I never authorized either of these two above companies to check my credit. I haven't tried to get a new line of credit, whatsoever. I contacted both of the above companies directly and the calls where an automated advertisement company offering products. I have no information on how to get in contact with these false companies to address this issue and I'm concerned my credit may become jeopardized if this is not taken care of soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of the credit report from annual credit and noticed a fraudulent account reporting on my credit file. I contacted LVNV and told them that this account is not mine, and they still haven't fixed the problem. I will be taking this to litigation and requesting monetary compensation because this has caused me stress and anxiety from all the threatening letters received from LVNV. This account is still reporting on my XXXX credit file.
Product: Debt collection

I am trying to qualify for a mortgage. When my credit was pulled, the collection account showed and I was advised to pay it off. Paid it via e-check but now they refuse to provide me with a statement or speak to the credit bureaus to state that it has been paid for at least 30 days. I asked if they can just put a statement on my account that I authorized them to speak to XXXX and advise them the account has been paid but they have refused. I explain that everything has already cleared my account and I just need something in writing to give the credit bureaus but they have refused to update status of account.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for the past few months and NOT XXXX has furnished any proof that the 15 USC 1637 ( b ) disclosures were mailed or delivered not later than XXXX days before the payment due date, pursuant to TILA 15 USC 1666b. Deceptive practices have taken place on behalf of these companies and they have WILLFULLY ignored, or forwarded information that I DID NOT ASK FOR. They furnished other information faster than what I ACTUALLY REQUESTED. For this, I have concluded that there is no proof of the disclosures being mailed or delivered not later than XXXX days before the payment due date, therefore making these false entries, pursuant to 18 USC 1005. I request a block on this information, pursuant to 15 USC 1681c-2 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Experian continues to abuse its power as a credit reporting agency. Experian has failed to verify the accuracy of the reported information in my credit file. I have disputed the reported account from XXXX XXXX  XXXX. I have requested the method of verification of this account numerous times as well as any contracts/agreements bearing my signature and agreement for responsibility the credit bureau has as part of their verification process to determine the validity of this reported account. Experian has failed to provide me with this information or notifications sent to me that alarmed me that this account will be reporting on my file or verifying with me that this account was opened on my behalf as required by FCRA. 

Experian has not done their diligence in assuring initially all reported information is 100 % accurate. Every time I report the said above account they update the information as verified and make changes. 

According to the FCRA, all information has to be verified as 100 % accurate the first time, and if not the account has to be removed. Experian has updated the information on the said account three different times, and validated the the initial dispute results stating the information was verified as iaccurate, but have chnged te information several times. This does not seem like the information was accurate if continuos updates and changes are made. If this was the case this account would not require the multiple updates and changes that Experian has done. Experian is allowing XXXX XXXX XXXX to tarnish my credit and supporting the fact that this account only states it is accurate with no proff provided as required by the FCRA. When they are supposed to protect the consumer, they have been allowing this debtor to cause credit denials, job turndowns and much more without assuring this information is 100 % accurate. 

on XX/XX/2022, XX/XX/2022 and XX/XX/2022 Experian dispute results state this account was verified and each time different information was updated. If on XX/XX/2022 dispute results the account was verified and updated why would information need to be changed on XX/XX/2022? and then again for the results provided XX/XX/2022? This said account is reporting a positive payment status with no late payments but also shows a charge-off on the same account two years later with no payment information reported in between, no missed payments etc. This does not seem verified or accurate as Experian has stated on these many disputes. 

This information is also being forwarded to the FTC and the attorney general for investigation.
Product: Mortgage

I filed a complaint with this agency on XX/XX/XXXX # XXXX Mr. Cooper submitted the exact same documents that was mailed to my address on XX/XX/XXXX. I requested a copy of the Mortgage Service Agreement. I am requesting that this agency investigate Mr. Cooper 's RESPA violations.
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for a XXXX personal loan at XXXX with auto-payment deduction. When I completed my online paperwork, I was unable to file auto-payment. Citi 's Customer Service Unit assured me - and this was confirmed - that once I receive the check, they would make the adjustment. Instead, they assessed my loan at XXXX. I contacted Customer Service to remind them of their agreement and they refused to honor that commitment. I referred the matter to the Executive Office which assigned a reference # XXXX and they also refused to honor our agreement. The interest differential damage to me is {$320.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has wrongly stated that I had a late payment in a long perfect payment history with Auto Pay system. I had a prior vehicle to my present XX/XX/XXXX vehicle so my payment practices are crystal clear. As you will see that upon my acquisition of a XX/XX/XXXX the XXXX and XXXX payments were made and XXXX says XXXX was late - how ( again on Auto Pay ). Every month from XXXX XXXX until present - perfect on Auto Pay. 
I contacted Experian to lodge a complaint and I contacted XXXX personally. The XXXX basically read off his computer screen and could not explain further than that is what the file screen told him, useless! Today XX/XX/XXXX I contacted Experian back to question the non-change in my report - their answer to me was - we sent the inquiry to XXXX and they sent it back so that is it - again useless. I have attached 6 pages with explanation about what happened in actuality. Thank You in advance for your help and guidance. 

XXXX XXXX
Product: Credit card

In XXXX of XXXX a payment was made for my Synchrony bank Amazon store card for the full amount of charges due, Leaving the account with a XXXX balance. Unfortunately, Due to fraud on a XXXX XXXX  account, completely separate from this one, I was forced to file for bankruptcy in XXXX of XXXX, however luckily With the help of loans from family and friends was able to re establish my affairs and dismiss the bankruptcy case. To my surprise and dismay, Synchrony bank had added itself as a creditor seeking relief in my bankruptcy case, seeking full relief for the bill that had already been paid since XX/XX/XXXX in full. Via a recorded conversation by me in XX/XX/XXXX With synchrony bank, in which I did advise them I was recording the call, they did acknowledge and confirm receipt of the payment made in full XX/XX/XXXX of XXXX for over {$4500.00} The Synchrony bank Representative was as confused as I was However, told me she could not see anything further on my account. I sent a letter requesting verification of payment And questioning why they had closed my account and why They were requesting full payment again When payment was already made. In return I received a letter from Synchrony Amazon store card asking If I was satisfied with the representatives assistance and nothing more. Approximately a month later I was phoned by a collection agency and also told by the collection agency attempting to collect on this account they also were very confused because they did see the payment was made in full, thus prompting the collection agency to initiate a dispute for me as well in regard to this account and this matter. My account was unjustly closed, Synchrony attempted to fraudulently collect on a debt that had already been paid, and at this point I can not even log into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX  sent a dispute letter to Experian and I have yet to hear from them saying if they even received the letter. It will be 30 days on Tuesday. According to the fair credit reporting act a bureau has 30 days to investigate a dispute letter. I demand that this company does their job!
Product: Credit reporting

I tried to dispute with Experian an item is in my credit report and tehre is a process of a Validation of the Debt with XXXX XXXX also, I Kept Experian aware that I was in the process of Validation of the Debt therefore they can not continue reporting anything if a validation is not provide to me from the collector I 'm dealing with. but seems Experian do n't respect my FDCPA rights they still reporting an item is not validated, see the attached validation letters I sent and XXXX never responded. 
Collection agency if they do not validate a debt can not continue to pursue collection activity .see FDCPA Section 809 attachment. thank you
Product: Credit reporting or other personal consumer reports

So my Equifax is blocked from other people seeing my credit score I sent documentation over to them so they can resolve the matter months ago. Which was my drivers license. Now fast forward Im trying to run my credit again and no one can see it which stops me from getting a car a loan etc. I call and they say the need another form of identification. So I sent them my social security I formation a temporary one from the social security office. That documentation came in XX/XX/XXXX on their end. A week ago I called them and a female supervisor stated all I need is another form of documentation and that theyre waiting on that. I asked her to write that in her notes she said she would. Fast forward to this last Friday I call again, and the person says they see both of my documentation and theyre just waiting on my account to internally be fixed and she said to call back in a couple of days. So I call back today and they now say they do not see my documentation of my drivers license after a supervisor said she did a week ago, and rep said she seen the documents Friday. The license was for them to change my birthday on my account and XXXX weeks a make supervisor stated he changed it to my proper birthday date. Now today another supervisor says he doesnt see my driver license documentation and that my birthday was never changed. All he kept doing is saying we need proper documentation. They lost my documentation and Im having to waste and spend my time correcting their matter, they showed no professionalism whatsoever throughout these conversation.
Product: Credit reporting or other personal consumer reports

Hi, I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to XXXX, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Product: Credit reporting or other personal consumer reports

I am writing to demand the fraudulent XXXX account and inquiries that have been reported to my credit report, be completely removed from my credit profile. I have submitted fraud reports for this account to be removed in 4 days, disputed, and thoroughly investigated because I did not open these accounts. By law, an XXXX works when identity theft is involved and the account needs to be removed immediately, within XXXX business days. We go by the law. I as a consumer have my legal rights. 
This account and inquiries must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit. Please remove this illegal account, Thank you for your time and help in this matter FRAUDULENT Account to Remove : - XXXX XXXX - Fraudulent Account Account Balance : {$0.00} FRAUDULENT INQUIRIES to REMOVE from XXXX : XXXX XXXX XXXX XXXX- XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX ( XXXX XXXXXXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit card

Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 


XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

My complaint is against Chase Bank and their credit card service. They did not provide me with a valid reason for rejection of my dispute on a transaction. 

I made a purchase with a company and they charged me the wrong amount. I contacted the company and they were unwilling to credit the difference. 

I filed a dispute with Chase and was told that if I did not have a receipt showing the amount that I was supposed to be charged, then I was liable. 

This payment was placed by phone and I never signed or agreed to any documentation to support what I was charged. The merchant responded to my dispute by sending a contract that is signed by the seller but the signature line for the buyer is blank. For some reason Chase took this contract WITHOUT a signature as proof of it being a valid charge. 

I escalated the dispute up the Chase Executive office and was again denied. I was contacted by a XXXX XXXX at XXXX XXXX. She repeated the same as the dispute department that I needed a receipt as proof of what I should have been charged. I asked her that if anyone wanted to be deceitful, they are not going to give any paperwork. 

I also asked her that if this person would have charged me {$20000.00} then agreed, that I would be liable? She stated that yes, I would be. 

I asked her if she could send me Visa rules or even Chase rules stating such. She refused and then said she would but never did. I called her two different times requesting this information and she never returned by call. 

If this is the rule for credit cards and the general public knew, that would be an end to all credit card use. Who would make a purchase by phone or internet knowing they are liable to whatever amount the merchant charges? 

Thank you for any assistance on this matter. I didnt realize until now that I had an option to file a complaint about my bank. 

I have all paperwork and letters from Chase about this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have no knowledge of this account, XXXX XXXX  ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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: Debt collection

XXXX XXXX your company has repeatedly contacted me/ us, claiming that I owe a debt under Harvard Collection Services LLC account number XXXX. I do not believe that I owe this debt. 
Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. 

I'm requesting you send me this alleged bill XXXX out with no balance per I have no written contract with this company. 

I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. I also demand that you do not sell/give anyone else any information regarding this alleged debt. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. 
The ONLY information I want to receive from this company will be the XXXX out invoice that I am requesting
Product: Credit card or prepaid card

At the end of XX/XX/2021 I applied for an XXXX credit card from Chase. This card provide rewards for card usage in the form of " XXXX '' which can be used to offset the cost of flights on XXXX. During the application process I provided my existing XXXX account to link my card usage. Chase did not use that information and instead had a new XXXX account created. I was never informed that Chase had done this. I never received any notice from XXXX regarding a new rewards account. 

On XX/XX/XXXX I reached out to Chase saying that I my XXXX account had not been credited with XXXX earned. On XX/XX/XXXX I received a reply where they cited " my XXXX account '', which was not the one I had provided but the one Chase had created. This was the first time I knew of the extra account. That same day I replied to Chase that they were using the incorrect account ; I provide them the same account I provided during the application and asked that they resubmit the XXXX to be credited using that account. 

On XX/XX/XXXX I received a reply stating that before they could change the account I had to contact XXXX to 'merge ' the two accounts, and Chase provided information on how to do so. Through the rest of XXXX & all of XXXX I used XXXX 's site and eventually called XXXX numerous times ( XXXX does not have a US-based call center ) to try and merge accounts, but they will only accept a passport I no longer possess as it expired 5 years ago, even after submitting my current passport to them 4 times. Eventually in XXXX an XXXX employee told me over the phone that they would disable my Chase-instigated account, leaving only my preferred account. During this time I reached out to Chase via phone to share the info XXXX provided ; I was told they would resubmit the missing XXXX. However, those did not appear on my XXXX account. When I reached out via Secure Message on XX/XX/XXXX Chase again told me that I needed to submit my passport in order to have the accounts merged, which conflicted with the information I received from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is listing a credit card account as charged off on my credit report and has been for approximately 5 years. I have disputed this the ENTIRE time repeatedly. In accordance with FCRA 623 ( a ) ( 3 ), " Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. '' The account has never been noted as disputed. I took it upon myself to dispute directly with the CRA 's THREE ADDITIONAL TIMES : XX/XX/2020 ( certified letter with tracking # ) w/ no correction XX/XX/2020 ( direct calls ) w/ no correction XX/XX/2020 ( certified letter requesting DELETION due to failure to comply ) This account is still listed on my report and has been incorrectly reported to my detriment for years.