23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted Rocket Mortgage on XX/XX/21 about a cash out re-finance. I was told on the first call I was qualified for my re-finance after all of the requested documents were reviewed. They asked for a good faith deposit of {$500.00} on XX/XX/21. I voiced my concerns to the person on the phone that I have had trouble getting loans because I was self employed and that I did not want to pay anything out of pocket if I was not going to be approved. She assured me I was approved and we could move forward. I gave the good faith deposit of {$500.00} and also signed deposit agreement. They immediately sent a person to appraise my home on XX/XX/21. Then, after the appraisal was done they called me on XX/XX/21 and told me I did not qualify and they would not refund my money. The reason I did not qualify had nothing to do with my appraisal and everything to do with my lack of self employment income, which they could clearly see from the documents I provided. I was mislead and pressured to giving money when Rocket Mortgage had not done done their due diligence. I would have never paid to have my home appraised if I knew I could not qualify for the loan. I felt pressured to do everything quickly and I feel this is their way of getting money from people that they may not qualify for a loan. I have spoke to a few other lenders since XX/XX/21 and they honestly said that they would not waste my time and I would never get approved based on the numbers I gave Rocket Mortgage.
Product: Mortgage

Hello, My mortgage was purchased by Loan Care LLC several months ago. I have first contacted Loan Care back on XXXX/XXXX/2017 to request my PMI be removed as I have nearly 50 % equity in the home. Since they have my home only valued at {$290000.00} they have my equity listed at % 87. After spending several hours and many calls and emails I was finally given information on how to start the process for getting an appraisal to have the PMI removed. I mailed in a check with " PMI Cancellation Request Appraisal '' in the memo as directed in their letter. Loan Care has cashed my check on XXXX/XXXX/2017 and has still not contacted me. When I call they keep passing me from department to department all with conflicting information. They inform me that the decision is up to the escrow department but they refuse to let me talk with anyone in the escrow department. It is all very frustrating as their associates are rude, uniformed and do not assist in resolving the issue. I have also paid my home insurance in full and have requested for Loan Care to remove my insurance from escrow as I have provided them with documentation proving that the insurance has been paid but I do not get any response and no one will answer my questions when I call. Currently they are collecting insurance monthly to pay insurance that I have already paid. Please help!
Product: Debt collection

I was charged for services they were not completed. Never received results XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was told to go home. I never received a bill for the debt and then was contacted by Americollect about the balance. I told them what happened and they advised the amount would be taken care of. I thought it was fine since no other contact or correspondence was sent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

" On XX/XX/year>2025, I initiated a transaction with the XXXX XXXX for an amount of XXXX dollars to send money to a friend, but I had to cancel the transfer. A few days later, when I asked Cash App where's my refund was, they claimed to have returned the money to my bank ( JPMorgan Chase Bank ) on the debit card I used for the transaction. When I spoke to Chase Bank, they told me the money never arrived even after more than a week. Chase filed a claim, but the bank said it closed the claim because it is limited in relation to XXXX XXXX. I continued to follow up for several days, but both companies are saying that my money is not in their possession and are blaming each other. Can you please help me resolve this issue and recover my money, which I urgently need? ''
Product: Credit reporting or other personal consumer reports

XXXX Someone tried to open a credit acc without my permission XXXX Someone tried to open a credit acc without my permission XXXX XXXX XXXX  Someone tried to open about 5 loans without my permission XXXX XXXX  Someone tried to open about 5 loans without my permission XXXX XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX Someone tried to open about 5 loans without my permission One main I have more then one inquiry from them XXXX XXXX XXXX Someone tried to open about 5 loans without my permission XXXX denied me I was told about XXXX lies on a car I was trying to purchase they said I could get the car with XXXX k down but then said I had to put XXXX XXXX down which is misleading and fraud Some of these car loans places wouldnt approve me without a co signer. After they said I could get XXXX and be approved they lied about that cause I still didnt get approved for the loan at all once I acquired the co signer My bank which is XXXX XXXX lied said I couldnt get a loan but I talked to someone and they said they didnt have a problem getting approved with their new credit and just starting off which means misleading info and prejudice XXXX XXXX XXXX XXXX  which is also my bank did the same thing mislead information to me
Product: Credit reporting or other personal consumer reports

I noticed on XX/XX/XXXXXXXX XXXX  2023 that the autopay feature on my loan with XXXX XXXX  was disabled and it made me default on the loan by 30 days. Upon noticing said issue I immediately paid any outstanding money owed and thought the matter was resolved. 3 days later XXXX XXXXXX/XX/2023 XXXX XXXX marked my credit as 30 days late for the XX/XX/XXXX payment. Whe I called I was told the auto pay was turned off. When I asked who turned it off the representative was not able to tell me who it was and notified me to submit a complaint. I submitted a complaint XXXX to XXXX XXXX XXXX experian and was told that the reporting on my credit wsa accurate. I do not agree with this as I did not have anything to do with disabling the auto pay. One thing that did pass duing this time is that XXXX XXXX updated their website which I believe had something to do with this and they are not willing to take ownership of the issue.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX regarding the delinquent account that shows on my credit report with all three major bureaus XXXX, XXXX, and TransUnion. I also started a dispute with XXXX, and I received a letter stating they couldn't locate any account tied to my name or social security number. This account is currently unverifiable and should have been removed from my credit report. I dispute this item as well with all three major bureaus multiple times. There investigation never lead to the removal of this item.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 or other personal consumer reports

They removed a collection off my credit and 2 months later put it back on its insane how they are ruining my life
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out a dispute letter to the credit bureaus requesting them to correct the status of my payment history. They have not responded to my request in this matter or provided any reason for there not to be a change.
Product: Credit card or prepaid card

I have contacted the company several times as well as the three major credit bureaus because the account was opened fraudulently, either by relative or stranger. I understand that my social security number and address was used to open the account. However, I've never signed any agreements with this company in order to open a credit card account. This was done so without my permission. I am a victim of identity theft and it has been a very long and depressing process trying to have fraudulent accounts removed. I have taken action by filing a police report with my local police department and having it sent to the credit bureaus. Additionally, I have locked and added fraud alerts to my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Debt collection

A debut was opened in my name in a different state. When I no longer live there. It was open when I moved to a different state. I was not aware of the loan being taken out in my name and don't know anything about it. But keep getting calls every 30 days about it. And I've told them that it is not mine. That when it was opened, I did not some lived in that state.
Product: Payday loan

last year i was something inaccurate on my cbr and i contacted this creditor to get this resolved i sent them a copy of a police report and a letter stating this was identity theft. They are now asking for me to submit this info to the support desk at XXXX but its not working when i contacted the company they were extremely rude and would n't provide a alternative to submit my police report for this fraudulent claim
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My name is XXXX, and I am writing to bring to your attention an issue I have identified on my credit report. Upon reviewing the report, I noticed that there are addresses listed that is marked as a non-mailable address. I understand the importance of accurate information on credit reports, and I would like to request the prompt removal of the non-mailable address mentioned above. These addresses are no longer valid, and its presence on my credit report may impact the accuracy of the information presented.

To facilitate this process, I kindly request that you investigate and remove all outdated and non-mailable addresses associated with my credit profile. Ensuring the accuracy of my credit report is essential to my financial well-being, also remove all aliases of my name as well I appreciate your attention to this matter. Under the provisions of the Privacy Act of 1974, I have the right to ensure that the information contained in my credit report is accurate, relevant, and up-to-date. Therefore, I kindly request that you investigate and remove all outdated and non-mailable addresses associated with my credit profile.
Product: Checking or savings account

On XX/XX/XXXX, I deposited {$29.00} in CASH to cover my ACH debit for LIFE INSURANCE POLICIES in the amount of {$28.00}. On XX/XX/XXXX my " personal checking account '' showed a balance of - {$0.00}. On XX/XX/XXXX, there was an added {$34.00} for NSF fee 's assessed to my " personal checking account ''. I am DISPUTING, CHASE BANKS ongoing unlawful practices of discrimination and " UNFAIR DEBT COLLECTION PRACTICES! '' that have absolutely NOTHING to do with me, my " personal finances '', my " personal CASH deposits '' or my " personal checking account ''. ALL SUPPORTIVE DOCUMENTATION WILL BE FAXED TO THE CFPB ( ALL PERSONAL INFORMATION SUBMITTED FOR THIS COMPLAINT IS FOR THE CFPB ), NOT FOR THE BANK 'S USE!
Product: Checking or savings account

On XX/XX/XXXX several unauthorized transfers occurred in my chime checking account. 
XXXX {$600.00} to XXXX XXXX XXXX {$600.00} to XXXX XXXX XXXX {$17.00} to XXXX XXXX {$110.00} to XXXX XXXX {$1000.00} to XXXX XXXX XXXX {$190.00} to XXXX XXXX I disputed theses transactions XXXX XX/XX/XXXX with Chime Bank and filed a police report XXXX Chime investigated these transfers and concluded that no error occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics. On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I submitted dispute letters ( and I submitted a complaint last week but it didnt go through, but I have screen shot that something was submitted ) to ask the CRAs to show me and explain their verification process and failed to and have not responded to nothing at all. The accounts I am asking for the processes are : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX ( separate account )
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave EXPERIAN any written consent to report anything on my consumer report, No consent is Identity Theft.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unsolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report it shows 2 late payment to my mortgage company ( Ditech ) with dates of XX/XX/XXXX & XX/XX/XXXX. During those times I was on military duty and submitted copies of my orders for that time period. However, it still shows in my credit report and I have requested the company to correct this issue. I submitted the documentation again and I have not heard from them on this issue. Under XXXX law, I am protected of such things due to not being available at the time of these issues. I have since paid them with the late fees.
Product: Credit reporting or other personal consumer reports

Experian did not anwser my phone calls they make you go in a loop anwsering questions then they hangup on you and tell you to check website which is of no help to get any kind of info. They make it so hard if you arent paying for a premium subscription.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, Consumer currently residing at XXXX XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX I am writing the complaint because Equifax , Inc. sent a consumer credit report for XXXX XXXX XXXX, Consumer on XX/XX/XXXX, confirmation number : XXXX, stating that, " The disputed item is not currently reporting on the EQUIFAX CREDIT FILE. COMPANY NAME : XXXX XXXX ; ACCOUNT NUMBER : XXXX. '' However, this is false and misleading information seeing as though XXXX XXXX is still reporting on the EQUIFAX credit file of XXXX XXXX XXXX as of XX/XX/XXXX on multiple platform including Equifax.com and XXXX XXXX. I spoke with XXXX, an EQUIFAX customer services representative, who provided confirmation number : XXXX, stating that, " the report was sent after XXXX XXXX agreed to remove the account from the EQUIFAX credit file of XXXX XXXX XXXX, Consumer. This account should no longer report on the EQUIFAX credit profile of XXXX XXXX XXXX. '' This conversation was recorded by EQUIFAX AND XXXX XXXX XXXX. EQUIFAX also reported on the Consumer Financial Protection Bureau, Case Number : XXXX, that this account is not reporting currently reporting. However, it is still reporting. 

XXXX has already removed this inaccurate, negative, inequitable account from the credit file of XXXX XXXX XXXX, XXXX.
Product: Mortgage

On XX/XX/XXXX, I asked the branch manager at Velocio if my loan application included the option for a float down. Emails from Velocio say it was eligible for a " one time rate negotiation float down that must take place outside of 10 days from your confirmed close date ... the rate improvement must be .25 or greater in nature '' ( see AttachmentA ). With rates falling, this was a MAJOR FACTOR in choosing Velocio over other lenders. 

On XX/XX/XXXX ( 12 days before closing ), I compared rates with other lenders and found that they had fallen significantly. Velocio confirmed over the phone that their rates were more than 0.25 below the rate I received. However, in an email, they conveniently changed the requirement to 10 BUSINESS days ( see AttachmentB ). This is still enough time .. but apparently Velocio employees have off on Friday, so it doesn't count as a business day. Shame their office schedule isn't publicly available. They then point to my purchase contract and threaten {$11000.00} in charges if I decide to go with another lender ( note : the builder owns the lender ). 

The system only works when consumers can trust the information given to them and act based on their best interests. I chose Velocio as a lender based on the parameters that given to me early in the process and now those parameters have been changed. I want to assume positive intentions on their part, but there needs to be a penalty to discourage this behavior against first time homebuyers like myself in the future.
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 confidentially under 15 USC 1681. 

XXXX XXXXXXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Vehicle loan or lease

I agreed to have my credit checked by the XXXX XXXX   XXXX dealership on XX/XX/2019, however, I was not informed that they would give me at least 6 different hard inquiries on my credit score. This has brought my score down and prevented me from being approved for a credit card, solely for the reason of having too many hard inquiries. It does not seem fair to me that I am being punished for purchasing one car.