23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Received a call from Rocket Mortgage representative on XX/XX/XXXX asking if I would like to apply my partial payment of XXXX towards my XXXX bill. I asked him what my bill was and he stated XXXX. At this time, I was happy with the process that had taken place with XXXX and Rocket Mortgage working together helping people in need due to Covid-19. However, this is where my complaint begins. I called XXXX and asked them how much they sent to Rocket Mortgage. They stated to me {$5900.00}. I had to call them because there was no break down toward how much was being paid out. One part of my Complaint is I would like to see the breakdown of what Rocket Morgage asked to be paid from XXXX. Reason for this is while looking over my XXXX statement on page XXXX I had seen between XX/XX/2022 to XX/XX/2022 I had occurred Foreclosure expenses of Title search ( {$220.00} ) and Appraisal Cost ( {$620.00} ). Which Should not even be in there because XXXX sent them paperwork XX/XX/2022, stating I was working with them, and I was approved for their services. However, Rocket Mortgage started the foreclosure process any ways. I talked to a representative who confirmed they did in fact received XXXX paper. I did a complaint with CFPB number XXXX. Rocket Mortgage did respond back and stopped the Foreclosure. But here is where complaint number XXXX begins. XX/XX/2022, Rocket Mortgage sent all my delinquent amount to XXXX. The XXXX guy set up an appointment to come to my house on XX/XX/XXXX, so not sure why the cost why sent out after. Even with this being all said with my application coming to you approved before Rocket Mortgage stated the Foreclosure there should not be any fees I have to pay, due to Rocket Mortgage should have never started the process. Which they did stop. when I received my XXXX Statement and did the math of what XXXX stated they paid ( {$5900.00} ) to what the automated message stated I have paid to date, ( {$5700.00} ) there was {$220.00} missing, which to me looked like the Title Search amount. But why am I still being charged the full {$850.00} for the Foreclosure fees. I read in the XXXX billing statement page XXXX " If you do not pay this amount, you may incur additional costs and face foreclosure. '' How can you bill me foreclosure fees with that as a statement in your billing statement?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made every payment on time with XXXX XXXX XXXX on 2 loans for over 10 years they eronousley reported me late 60 days on my credit report ive never been late if you look at my credit on one of the 3 reporting buerus it shows all current but my fico score shows diffrent ive spent countless hours with bofa and every credit reporting buereu no luck XXXX a has ruined my credit because they accidentally submitted the incorrect information
Product: Credit reporting or other personal consumer reports

The card was reported stolen or lost the purchases were not mine,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letters off on this day XXXX XXXX i told them to investigate my account and they said they investigated it but according to the law they didnt do the proper investigation
Product: Debt collection

Comenity bank calls me daily and leaves voice messages with robots stating I owe debt. I asked what the debt was from and they stated it was from Victoria Secret. It went from {$200.00} to almost {$3000.00} with all the unknown charges. I havent received a bill in over a year. Now I am asking for documents of all charges and they have not provided this. I want them to stop harassing me.
Product: Credit card or prepaid card

YOUR COMPLAINT My claim and rebuttal has both been denied by my chime bank account dispute team. I asked that everything be looked over properly. On XXXX I purchased two shoes from an online store XXXX ( XXXX XXXX ) This company is super sketchy doesnt seem legitimate because they have since changed their website and email. the seller has being very deceitful. I have attached the tracking number they have mentioned with a screenshot of when it was delivered XX/XX/2021 I have also provided my screenshot of the tracking number I gave the seller that shows the items were to delivered back to them on XX/XX/2021. Along with that I have attached the screenshots of the conversation through email with the seller and I which my return was accepted and I was provided the return address and guarantee a full refund. Once I sent the item back I was ignored and later blocked I have provided that in the screenshot as well. It will also show I asked for a refund on XX/XX/2021 just days later after I received the items. No where over or close to 30 days. Shockingly chime has denied my claims when I have shared all supporting evidence and documentation. I am reaching out because this is the second time they have denied my claim when goods/services were paid by me and not delivered by the seller. the items were RETURNED because I was sent the wrong items The original purchase was XXXX in the amount of {$260.00} for the items sent not being a described. The reference number for this first claim is ( chime ) # XXXX. I then was finally able to get a return address from the seller and asked to pause the dispute ( XXXX ) I returned the items to the return address the SELLER EMAILED ME. The tracking number for the returned items is # XXXX. It was delivered successfully on XX/XX/2021. However I never received a refund so I filed a new claim for the SAME ORIGINAL TRANSACTION ( XXXX ) {$260.00} on XX/XX/2021. The seller has both the items and my money.
Product: Checking or savings account

I have an account with Navy Federal Credit Union. The account has been opened for over 30 days. I made a deposit of XXXX. It was a check drawn off of XXXX XXXX. They put a 5 day businesss hold on it. I called on Moday to get it released. I was told only the branch could release it. They wouldnt give me the branch phone number, they wouldn't take my complaint, nor let me speak with a supervisor. They claim they don't verify funds over the phone, but I know they have a system. I didnt even ask for all of it to be released. Just half of it so that I can put gas in my car or buy food. I reached at via XXXX. they were supposed to call me around XXXX. No one called. When I messaged them they said they had to make a phone appointment. Nothing. They have no intention of trying to resolve this.
Product: Student loan

I attended XXXX XXXX and did not qualify for an certain amount of aid so I was told they would provide a private lending loan. I was not fully aware that these loans can only be put into deferment for only six months after me graduating. I am currently in school and can not make these payments. This degree that XXXX offered does not qualify for any jobs these days.
Product: Credit reporting or other personal consumer reports

My complaint is with the company 's methods of determining credit ratings, which can severely adversely affect the consumer 's financial situation. It uses limited information and does not take into account the full picture of one 's financial status.

In my case, I'm carrying large balances on several credit cards, but they are 0 % interest cards, due in 6-8 months. However, I also have savings of approximately {$310000.00} at 5.15 % - 5.25 % interest. The interest generated will be sufficient to pay off those cards at their due dates. Even a person of much greater net worth would receive a poor credit rating based on TransUnion 's flawed metrics.

Consumers are given 0 % interest cards, then " penalized '' by the credit rating agencies for utilizing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I reviewed my credit reports through XXXX, XXXX and XXXX and noticed several fraudulent accounts opened in my name without my permission. I am victim of identity and I did not benefit from any goods or services of these fraudulent accounts. 

I am requesting for your company to remove and delete these fraudulent accounts immediately and report these deletions to all three major credit reporting agencies immediately. I have attached a copy of my FTC report and police report to this correspondence.
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a 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 ) ( XXXX ) 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

ftc violation accounts showing up on my credit that I have no knowledge of XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with an auto loan from XXXX XXXX XXXXXXXX. Equifax has a 30 day late in XXXX and XXXX but XXXX has XXXX late payments for XXXX & XXXX. I was never late on this loan and the auto was paid and closed between XXXX XXXX. My payment date for the account was the XXXX of each month. Ive sent multiple disputes letters and was told it would take 30 days to investigate. Equifax claimed it was verified. XXXX failed to respond. XXXX claimed verified. I asked all three to send me how the late payment was verified and no response From each credit agency and letters were signed and delivered. I called XXXX  XXXX XXXX to see what was going on and they told me that nothing was never late and they sent the credit bureau the closed paid off account & they stated that no one contacted them about the file because when consumers dispute item they add info in the file and nothing was in my file, so Im wondering how did they verify. XXXX has XXXX XXXX day lates but the car was paid off in XXXX so how was I late? I have no idea and no one seems to know anything. My credit report is clean! And never missed a payment on ANY account. I sent experian a letter that was delivered XX/XX/XXXX and they failed to verify in 30 days and they told me now that my letter was missing and they cant change anything.
Product: Mortgage

XX/XX/XXXX closed on loan promised payment to my account by XX/XX/XXXX, it is now XX/XX/XXXX, they have not funded loan and have not called me back but XXXX cant confirm problem because Lending3 is not returning my or their calls or emails. They also tried to close the loan on XX/XX/XXXX with wrong documents and charging me {$5000.00} more than what I had previously agreed to and signed off on and when asked for right paperwork they threatened they were going to cancel my loan if I didnt sign the wrong stuff which I still refused so they finally got the right paperwork to me. But now I am awaiting the funding and the funds put into my account and they have disappeared and wont return calls.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to several multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent firm ( s ).
Product: Credit reporting or other personal consumer reports

XXXX charged off my account without cause, you can see my payment was made the previous month before my account was charged off without warning. ( in my credit report ). The very abridged version of the story is that my car I purchased with a XXXX loan ( a used car ), along with I believe two monthly payments and a down payment, and an insurance payout for the totaled car, they claim I still owe a balance. A petty sum of money that they charged off without warning. 

Balances were not disclosed after insurance payout, XXXX does not return calls, emails, formal requests from attorneys. They have denied access to my online portal account and refuse to provide any information or speak to me. They simply dump me off to a debt collector who is also equally unhelpful. I am in the process of filing a lawsuit regarding this. I made a formal complaint with the XXXX  XXXX XXXX government entity and they still have ignored me. 

Whatever they are doing is not in the spirit of what credit reporting is supposed to be used for. The money is basically irrelevant and I would have immediately paid off the loan if I was even aware of what I owed. Overall, I believe they have committed several unlawful acts and violated all common sense. 

To date, I have never received a phone call or email from XXXX. Only mailed letters. They have " confirmed '' all disputes from credit agencies while still not providing any information to me. Absolutely shameful. 

My primary complaint is against XXXX. This complaint is regarding Experian 's investigation of my dispute. They have also provided XXXX information or closure here and will not disclose how they can confirm this credit report is accurate.
Product: Credit reporting or other personal consumer reports

TRANSUNION has violated my consumer rights by reporting inaccurate information. The creditor has also violated my consumer rights by reporting inaccurate information to TRANSUNION. The creditor has not validated the 30-day late payment and is willfully causing further injury to me. I will submit another complaint for an opportunity to cure and expect this matter to be resolved immediately. I received a copy of my credit report and found the following items to be an error. XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX HIGH BAL : {$3300.00} BAL OWED : {$3000.00} Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave XXXX Reporting Agency OR XXXX  XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). XXXX Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent
Product: Debt collection

On XX/XX/XXXX I sent certified letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX -- Tracking XXXX what i was instructed to send from Identity Theft. GOV FTC. The company was informed of Identity Theft. They were sent Proof Of Identity documents, Social Secuirty Card, Letter provided by the FTC, Notice of furnishers.

I asked the company to supply the following proof : Account applications made on paper online or telephone Account statements or invoices Records of payment or charge slips delivery addresses associated with the account records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report They were to send me a letter explaining what they have done stop collection activites against me ( which has not ) they still are threatening me about 3 accounts now?

Stop reporting information about the debt to credit reporting agencies On Feburary 3, 2025 I recieved 9 letters dated 1/27 stating they do not have a paper copy of an application as it was taken over the phone or by internet, stating they have finished the investigation and their research found no signs of fraud so they have not made any adjustments to these accounts. 
thier are three case numbers for this company with all stating the same resolution. 
Case # XXXX Case # XXXX Case # XXXX I am beyond upset that the company is following any instructions given by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Date of inquiry : 05/23/2020 This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft 01 COMENITY CAPITAL BANK XXXX  Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

My husband suffered catastrophic injuries in Fall of XXXX and his former Sunday XXXX class, mostly comprised of elderly and retirees, scraped together and sent us a XXXX XXXX card with a {$300.00} balance. We never used or opened the card all of these months. In XX/XX/XXXX, I opened the card to use at XXXX. The card was declined repeatedly. The XXXX employee told me to call the number on the back. I did and I could not speak to anyone but the call indicated that the card had a {$0.00} balance. I then opted to receive a list of transactions and all I heard were repetitive dates with {$5.00} transactions. Its impossible for anyone to have used the card or access the account because it remained sealed and in our physical possession the entire time. I have no idea and received no indication that XXXX XXXX would drain this account in {$5.00} increments. In fact, the opposite is factual : the outside printing indicated the card would expire in XX/XX/XXXX and there was a {$4.00} fee that our Sunday XXXX members paid in addition to the {$300.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has Violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX acct : # XXXX, XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX acct : # XXXX, XXXX XXXX XXXX acct : # XXXX, XXXX acct : # XXXX, XXXX  XXXX acct : # XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date : XX/XX/2018. 

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

! 5 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private DOB ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX XXXX my phone number is XXXX XXXX XXXX 

I am lodging a complaint against Experian. They are not reporting all credit cards and limits, and as a results their actions are severely affecting my credit score. 

Outstanding debit percentage, due to the fact they are not reporting a XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has led to my Experian XXXX XXXX to drop XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  below my XXXX and XXXX scores which are both XXXX. It is my understanding that these scores should be within XXXX XXXX of each other. 
I have contacted Experian regarding regarding updating my address, and also this matter and they have not responded. 

These matters are critical to having great credit, I look forward to hearing from you with a resolution. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX Account Name : 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

The website set up by the XXXX major credit agencies ( XXXX ) no longer provides any reports online. Equifax and XXXX directs the user to write for the free report and requires a long list of documents in order to fulfill the request. XXXX 's site just stalls for hours until user finally gives up. As soon as the session was over, Equifax sent me an email advertising their pay services. It is clear they are trying to circumvent the federal law requiring them to provide free credit reports.