23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I wanted to provide you with some feedback on Rocket Mortgage who is servicing my loan. In short, it has been a terrible experience from my first call to my current situation. Highlights are below. 

In my first call to determine the loan assumption process, a Rocket representative told me that loan assumptions dont exist. Further he talked down to me even when I brought up the VA website and process. If the previous owner ( a lawyer ) had not intervened, this assumption would not have gone through. 
Rocket incorrectly calculated my escrow and undercharged me for a year. This was based on their faulty calculation of county taxes based on the previous owners payment. I was held responsible for all of the fees not paid with no other recourse from Rocket. Rocket told me different stories on the method they used for calculating escrow. I fully paid the county taxes.

For the past year I have not had online access to my account. Rocket insists that I dont have access because the loan is in the previous owners name. This is obviously not true. This month I finally gained access only to find there is an erroneous late charge from the previous owner that can not be cleared. 
I have strongly voiced my concerns to Rocket to various contacts and have been consistently rebuffed with trite apologies or outright ghosting. Rocket fails to take responsibility for their failures. Their staff have told me that they arent familiar with loan assumptions and they are in a learning process. I pointed out to them that I bear the brunt of their failures during their learning process. 

I realize Rocket is a large corporation and my loan is one of thousands. However, I believe that if Rocket feels it is ok to treat a customer ( a veteran ) this way then they will continue to treat others this way.
Product: Credit card

On XX/XX/2023 I received an email from Chase credit card service about an account opened in my name. Subsequent emails were sent indicating the phone number, last four of card number and card shipping. I did not apply for this account. Chase fraud department and experian were both notified. Chase closed the fraudulent account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following 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 XXXX XXXX XXXX XXXX XXXX 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

Equifax is reporting an account with XXXX XXXX XXXX  on my credit report. Pursuant to the Fair Credit Reporting Act Section 604 ( a ) 2, I XXXX XXXX XXXX Equifax to block this account from the credit report of XXXX XXXX immediately.
Product: Debt collection

I received a copy of my credit report and seen a collection for {$370.00} the original creditor was XXXX charter communication which is a company called spectrum. I've never had a account with them, never received a bill or a debt validation letter. I have no idea what this account is about or what address is being serviced. This is a fraudulent account that I wasn't aware of.
Product: Mortgage

I'm filing this complaint with Cross County Mortage due to misleading information during the refinance process. I started the refinance process in XX/XX/2021, I signed the 1st closing disclosure on XX/XX/XXXX, and due to XXXX XXXX Mortgage 's lack of communication, the disclosure expired. I signed a 2nd closing disclosure on XXXX and received a call from the loan processor that she will schedule a signing to close my refinance. I never received the appointment to sign, I called the loan processor and loan officer multiple times with no response. I then received a letter in the mail on XX/XX/XXXX indicating that the loan was denied due to credit. During this process, Cross County has done nothing but lie and mislead me
Product: Debt collection

The Premiere Credit company contact me about a month ago out of the blue for a debt that was 20 years old. They bought the debt from XXXX XXXX, which was a student loan debt. My first issue with this is that, the debt is 20 years old.The second issue is that they are charging me a total principle of {$580.00} for a $ 20 year old bill. I do not have a problem of paying the initial bill, but what I do have is a problem with them trying to charge me a principle for it. For years I have had poor credit and no one has come at me for any bills owed. Now that I have gotten my credit rate up high and paying my bills like I suppose to -- it seems like everyone is coming out of the shadows to try to collect money from me with threats of put it on my credit report to mess up all the hard work I have do to get my credit to where I want it to be and to stay. I am tired of debt collectors passing my information around and using scare tactics to collect money from me because of my credit and payment history being excellent. I feel that is unfair to me because I am trying to be an responsible person with my credit and payments, now it seems like it is a constant fight to maintain it because of creditors constantly come after me. I have already paid off many debts from collection agency coming after me but when does it stop? I don't mind paying what I owe, if I owe, but using scare tactics such as this Premiere did is unacceptable and adding on a principle to a 20 year old bill that I was never contacted about previously is also unacceptable. Why aren't there any laws to protect consumers, but so many laws to allow collection agency right to collect debt even after 20 years, this is unfair to the consumers because it  appears that no one wants to see a XXXX man with good credit. When does the vicious cycle end? The debt amount is {$880.00}, and they are adding on a principle of {$580.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am completely fed up with being done unjustly concerning the dispute of fraudulent furnishing of late payments on my credit report. I sent letter to the agencies ( Transunion, XXXX & XXXX ) on XX/XX/XXXX and XX/XX/XXXX disputing this issue and they have for years broken the law of FDCPA. 

Under 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

In addition to that I did not as the consumer give these agencies permission to report these invalidated reports of Late Payments. I am the " natural person '' which is the only person who can validate such furnishing. 

The following account payment history needs to be updated to paid as agreed. 

Fraudulent reports of Late Payments is a violation of my consumer rights under 15 U.S. Code 1666b XXXX Account Number : XXXX Please removed inaccurate reported late payments and update to paid as agreed
Product: Money transfer, virtual currency, or money service

I woke up and decided to withdraw all my money from coinbase and I've been locked out of my Coinbase account since XXXX XXXX and there appears no way for me to access my account So what I did is open up a case at coinbase support and there was no response from them.I called them and talked to XXXX and she said ve just checked your account and can confirm that your request has been properly escalated.It all happned because I was verifying my id because all 3 heavy payment sending delay was 72hr and all of a sudden I was logout of account with suspended msg.Iam afraid by looking at your post I would loose my money.I recomend better wait for 72hr and pull all your money instead of choosing id verification.I agree if you dont have your private keys dont expect you are 100 % secure
Product: Mortgage

I applied to PNC Mortgage earlier this year to refinance my home mortgage and pay off my student loans. The bank, which holds my current mortgage, received my income data in the first few weeks of what turned out to be a five month-plus review process. It misleadingly encouraged me to proceed with the process, which cost me more than {$1000.00} in appraisal and other administrative costs, telling me repeatedly I had been " conditionally approved. '' The bank made unreasonable and continually changing documentation demands on me and then rejected my application. I disputed the the bank 's decision and especially the way it made it. About a month ago, I requested a refund of {$790.00} I spent on the loan review process. The bank has not responded to my request. I have attached to this complaint XXXX recent e-mail chains between me and PNC Mortgage officials : the first describing why I opposed the decision, and the second making the case for the requested refund.
Product: Credit card or prepaid card

I made an electronic payment of {$220.00} to my PayPal MasterCard on XX/XX/23. The monies were removed from my checking account on XX/XX/23, but were not applied to my account. When I called to inquire as to why, I was told that because my account was ( 1 ) less than 6 months old, and ( 2 ) it was a " large payment amount '', that my payment would be on hold for 15 days to prevent fraud. Just to be clear, I have been a PayPal customer for more than 10 years and have never had any negative issues with my personal finances. 

No where in the credit agreement does it say that a hold will ever be placed on a payment. Nor would they specify what a " large payment '' is in relation to anything. I was also told that " no one had authorization to release my payment ahead of the 15 day waiting period ''. When I expressed my dissatisfaction and complained that I was given no notice of this arrangement, I was basically told there was nothing that would be done about it. 

I want to know in what universe a company can take my money through an electronic transfer and then refuse to apply it to my account. I also want to know why they would consider paying my balance to be an excessive payment. And finally, I would like to know why it takes 15 days to verify an obviously accepted electronic payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please verify information is correct, im worried that information is either incorrect or misrepresented. If my information can not be verified, i ask that these negative reporting be removed as I am trying to buy a vehicle and this has made it impossible for lenders to consider lending to me at the rate i deserve. Please and thank you.
Product: Debt collection

I got a call from ERC telling me I owed money to XXXX XXXX XXXX I told them I am waiting on a check from XXXX XXXX XXXX due to filling a dispute with this company due to the service always being off and hardly ever on which was why I discontinue service and returned their product the service was more off than on told them I was returning it that I was not satisfied with it and have it back immediately I would try on many attempts to fix the problem to get a credit and each time the service stayed off it became a real problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB Complaint to the Credit Reporting Agencies to request once more to investigate my Credit File since I believe that the Credit Bureaus have not yet done their most effort. I am submitting this CFPB complaint in response to the recent investigation conducted by the Credit reporting Agencies. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus once more, for more information regarding these particular accounts in question : XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$22.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus keep on saying that the item displayed on my credit report are correct!! The accounts are not a charge off, they were paid off and were not late! I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

See CFPB complaint XXXX for the whole history. 

In short, I bought the leased vehicle from US Bank in XXXX of XXXX. US Bank in XXXX of XXXX sent me an invoice demanding I pay tolls charged in the amount of {$940.00} plus a {$25.00} bank fee that they say they paid on XX/XX/XXXX. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX ) to see why I had any tolls due because I had a valid XXXX  XXXX XXXX toll transponder. XXXX  XXXX XXXX and the XXXX have reciprocal agreements to collect tolls for each other. At this time, XXXX said the invoice had not been paid by US Bank. 

I contacted US Bank and disputed the charge and demanded a copy of any form of payment that US Bank made to the XXXX because the XXXX was telling me they haven't been paid and I still owe the invoice. US Bank refused to provide me any form of payment and continued to send me collection letters that I disputed demanding the same information. 

I filed a complaint with the CFPB ( which is a waste of time ), and US Bank responded to them. You can find a copy of the documentation in the complaint XXXX. Problem is the CFPB closed my complaint once US Bank responded and without allowing me to upload new evidence of nonpayment from US Bank to the XXXX. 

You will notice that the XXXX Invoice is {$100.00} XXXX lower than the XXXX inovcie that US Bank says they paid the whole {$940.00}. That is because talking to the XXXX they had waived that {$100.00} XXXX in my favor during their research on my information regarding the XXXX  XXXX XXXX toll information. Of course all the rest will be removed but US Bank is still demanding payment when documentation I am adding here PROVES they did not pay XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this debt with Diversified Consultants with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. Diversified Consultants received the certified letter on XX/XX/XXXX and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX  a term regarding HELOC and sent the link with a definition to my husband. Somehow, a lender contacted my husband trying to make a sale. My husband stated " let me talk to my wife '' and ended the call. This lender, sent information to my husband regarding options and ran both of our credits on XX/XX/22. 

I have never spoken to this gentleman to give him permission and my husband did not give permission either. 

The persons name was XXXX XXXX ( Loan Officer ) with XXXX XXXX XXXX
Product: Debt collection

I am writing to formally bring to your attention the concerning behavior exhibited by Manager XXXX XXXX during our recent interaction regarding the debt collection process. 

During our conversation on Monday, XX/XX/XXXX at XXXX EST. XXXX XXXX displayed forceful and aggressive behavior towards me. Despite my acknowledgment of the debt and the challenging circumstances my family and I are facing due to maternity leave and my husbands job loss, XXXX XXXX repeatedly accused me of irresponsibility. 

I explicitly stated my willingness to address the debt in due course, mentioning my plan to utilize my tax refund in XXXX to initiate repayments to all creditors, including Midland. However, instead of understanding or empathy, XXXX XXXX continued to employ threatening language, insisting on immediate repayment and threatening legal action. 

His persistence in pressuring me, even after expressing discomfort with his approach and labeling it as abusive, was highly distressing and unacceptable. No individual should be subjected to such aggressive tactics, especially when attempting to navigate financial challenges caused by unforeseen circumstances. 

I request an immediate investigation into this matter and appropriate action against such abusive debt collection practices. My aim is not to evade responsibility but to request a fair and respectful approach to resolving this debt issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; CHILD SUPPORT ENF XXXX XXXX Balance Owed : {$170.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I always make my payment at the end of the month. I have spoke to people repetitively each month to schedule automatic payment on the XXXX of each month. It looks like my payment was taken out at XXXXXXXX XXXX on the XXXX day. It should have been taken out on the XXXX. I did not make this payment late. Technically, it was still paid within XXXX And this is incorrect reporting. I have called and spoke to new Rez directly about this and they should not be an issue. please remove the late off my credit report as I am not late. I am losing faith in these automatic/scheduled payment systems. They do not seem to be accurate and XXXX things up. Payment was made. Please remove the late Remark on all credit bureaus
Product: Credit reporting or other personal consumer reports

I have asked XXXX, Equifax, and XXXX to remove the following from my credit report : All credit bureaus have been reporting XXXX XXXX XXXX as a collections, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have not been provided a validation of debt and they are in violation of the FRCA laws, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX This is inaccurate credit reporting as I have no known information about any accounts reporting. I have disputed the items, and they are still failing to remove the and are reporting incorrectly on my consumer file. I want a purchase agreement to all accounts reporting showing full ownership of such accounts and also other documents so I XXXX review to see if this is actually an account that belongs to me or remove within XXXX  days. XXXX have been reporting the following inquires and they are fraud, XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  Dealer ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Card services ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). They are reporting things I had no idea was in my name and all XXXX bureau XXXX XXXX my consumer rights.
Product: Credit reporting, credit repair services, 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, has violated my rights XXXX XXXX # 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 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 or other personal consumer reports

I am writing to formally dispute the information associated with my accounts. Upon reviewing my credit report, I have identified discrepancies that require immediate attention. It appears that there are inaccuracies concerning the status of my accounts, particularly regarding file merging and the characterization of my payment history.

I would like to draw your attention to the following account details : 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 kindly request that you update my accounts information to accurately reflect that the accounts have never been delinquent and are closed with a positive payment history.

Recognizing the importance of maintaining accurate credit information, I trust that you will promptly take the necessary steps to address this matter. In accordance with the Fair Credit Reporting Act, I also request a copy of the corrected credit report once the necessary adjustments have been made.

Please confirm receipt of this letter and provide an estimated timeline for resolving this dispute. If further clarification or documentation is needed, I can be reached at the contact information provided above.