23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I both are on XXXX, we almost had our current mortgage paid off. We contacted Rocket to help us refinance our mortgage, for a lesser payment. VERY long story short, the broker knew our fixed income, because we were required to send him pictures of our XXXXXXXX XXXX BEFORE he would proceed any further. He had an appraiser come out, and OVERESTIMATED our mortgage value, so Rocket could include ALL of our debt, and also give us cash out -- which is NOT something we originally intended for the purpose of reach out to refi. 
We had exuberant fees during our closing, including a Significant appraiser fee, which we feel they worked together FOR both of their benefits and NOT ours. 
they apparently " bought our rate down, did not estimate the " proper value of our home, and deceived us as consumers '', therefore we had NO time to properly investigate the costs, fees, and EVERYTHING about our refinance, because it would have taken more than the " 3 business DAYS after closing '' and we were already in too deep to back out. The exuberant cash out, which we did NOT request also was completely MISLEADING! THIS entire process was a scam
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

I am writing to formally to express my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This raises serious concerns and consumer safety!
Product: Mortgage

M & T Bank XXXX XXXX XXXX XXXX MD XXXX I have Home Equity ( HE ) Line of Credit with M & T Bank, we have been paying regularly and never been late. In XXXX we received a call from M & T bank that due to COVID 19 hardship we can have 3 months payment suspension and bank will not report it late. They deferred the XXXX payment but in the month of XXXX, they took out XXXX payment {$450.00} on XX/XX/XXXX2020 from my M & T checking account made me negative balance in my M & T check account. On XXXX XXXX  I was charged XXXX as over draft fee and my total negative balance become - {$310.00}. I called the bank, after the long hold and transferring me to few departments in HE they told me it is M & T HE department fault and they will reverse the XXXX amount soon. As of today XX/XX/XXXX20 ( after 15 days ), I am still in negative balance of - {$110.00}, as last week my direct deposit of {$200.00} came in. M & T is keep on charging me {$38.00} of over draft fee. From XX/XX/XXXX I have been calling M & T every other day, On XX/XX/XXXX, they filed a complain ( # XXXX XXXX name XXXX ), upon my request. I have spoken to M & T representative ( s ) : -XXXX  XXXX -XXXX  XXXX and XXXXXXXX XXXX . Some the customer service representatives were very rude and unprofessional. My checking account and HE are in M & T bank but I am surprise no one knows there how to reverse and fix the issues. 
I am very disappointed with M & T Bank as I have to spend almost 2 hours to get hold and talk to M & T customer server rep. every other day starting from XX/XX/XXXX. 
Thank you.
Product: Vehicle loan or lease

On or about XXXX XX/XX/2021 I was contacted by telephone from Ally Auto and the representative told me her name was XXXX XXXX The rep began to ask me if I was who she called for and after verifying she was from Ally Auto I responded yes I am and she immediately began to divulge my debt including the amount, and the late payment status. I first asked her were there any recent notes because I spoke with another rep within the last two weeks and she advised me of a promise to pay note from XX/XX/2021. I stated I was very happy that I record these conversations because I explained numerous times that since XX/XX/2021 I suffered an on the job injury and between the Pandemic and the injury that my income is now reduced substantially. XXXX told me that there was no notes of that. I also explained to her and previous reps that Ally has not tried to work with me to make these payments more affordable. They have not tried. Now while XXXX continued to give me the information about my debt she failed to verify first who she was speaking with meaning if I was the actual debtee by verifying pertinent information for security which is required by Federal Law. Simply using the phone number as she said she did because " prior colleagues contacted me using the same phone number '' is not abiding by the rules of debt collection and financial security.
Product: Credit reporting or other personal consumer reports

This collection has not been properly validated by debt collector. I do not have a contract with this debt collector. Lastly, this collection is reporting inaccurately, please delete this from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, XXXX, XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXXEquifax after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were an accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates will be removed and corrected. 
XXXX XXXX Balance : {$6600.00} XXXX  XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX Account # XXXX Inaccurate XXXX XXXX XXXX XXXX creditor : XXXX XXXX  ) Account # XXXX Inaccurate -XXXX Account # XXXX Inaccurate -XXXX Account # XXXX Inaccurate -PENNYMAC Account # XXXX Inaccurate XXXX XXXX Account # XXXX Inaccurate -XXXX XXXX Account # XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Inaccurate All accounts and inquiries have inaccuracies. 
The report reference # XXXX. 
Report date XX/XX/2023 All personal information have Inaccuracies.

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies.

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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ( CA ) reported to Experian XXXX XXXX on XX/XX/XXXX to delete their collections account from my credit reports due to being paid in full. I checked XXXX on the morning of XX/XX/XXXX and Experian has refused to remove the aforementioned collections account for {$1200.00}. They place negative information within seconds of receiving the information but consumers have to fight and file complaints to get positive information/ effects on our credit report. 
I have a release of liability from XXXX XXXX XXXX XXXX XXXX ; who have been very proactive in removing negative information from my credit report. I also have screenshots of my Experian credit report as of XX/XX/XXXX. 
I am an XXXX XXXX XXXX XXXX XXXX XXXX Veteran and trying to use my VA home loan to buy a house for my family; and Experian is obstructing my efforts. 
Experian needs to be fined and sanctions inflicted on them for their refusal to properly report consumers positive credit repair efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed errors, fraudulent activity and names. 
XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 


My correct my name is XXXX XXXX XXXX Please delete ALL fraudulent names - from my report My current address - XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Please remove all incorrect fraudulent or older ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Please remove outdated XXXX XXXX   I never worked there XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I contacted Equifax regarding my XXXX Account & XXXX XXXX XXXX XXXX XXXX Visa advising that my payments and past due on these accounts were not reported correctly. 

I advised on my XXXX Account XX/XX/18 the past due on my account was removed due to SCRA 8-7-18 and was reversed and put on my CBR on XX/XX/18 and made them aware of it and still hasn't been removed as of XX/XX/18 XXXX XXXX XXXX Visa Account same thing reported as payment posted and reversed as well. 

On XX/XX/18 I received notification from XXXX XXXX per Equifax that over 30+ accounts were removed from my credit report and my score increase XXXX points I've included copies of the reports payment postings and notifications I've brought the continued errors to your attention that the Credit Reporting Agencies are not reporting our information correctly and reversing out information how much more information do you need to receive in order to look into the business practices of the reporting agencies. Consumers shouldn't have to deal with this anymore you advised me in the past that on the back end there is investigators that look into this type of issues and you advised your just a middle man to get results. When they don't respond. When is there going to be accountability on how the 3rd party reporting agencies going to be held accountable for reporting our information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I both received are 3 credit reports on XXXX/XXXX/XXXX. Each one of our credit reports from only Transunion showed Account Review Inquiries from companies unknown to us. We have lived in XXXX XXXX, OH for 26 years at the same home address. The unauthorized inquiry for my husband was from XXXX XXXX XXXX in XXXX, FL on XXXX/XXXX/XXXX. I called the company and they admitted that they were looking for someone else with a similar name when they made the inquiry. My report showed an account review inquiry from XXXX XXXX in XXXX, CA on XXXX/XXXX/XXXX. When I called them, they denied any such company existed at the listed address and phone number. I am concerned the the XXXX XXXX could have been an attempt at identity theft. My husband is concerned that the inquiry by XXXX XXXX could result in future inquiries that he has approved wondering if he had a bad payment record in the past. I reported all of the above via phone to Transunion. They stated that the inquiries would be removed, but why did they even occur without our consent? Is it legal for anyone to review your credit report? Advise. Please respond via e-mail to XXXXXXXXXXXX. Thanks.
Product: Credit card or prepaid card

I was able to get the payments lowered. However, I had lost my job after separating from my spouse leaving me having to get an apartment for my children and myself. I contacted the company with this information that I did not have any incoming money to make payments at that time. I had enough money to pay rent by using my 401k. Then COVID-19 happened and I didnt start work right away. When the divorce was finalized and my lawyer was paid and the house was sold, I went to pay off the card and it no longer showed up for payment. I did not receive any letter indicating the account was sent to collections or the card company was going to send to collections of payment was not received. Now there is a derogatory indicator on my credit report because of the card company failing to work with me in my situation. I planned on paying off the card once the funds were available from the house sale. Therefore ; the information is poorly reported by the card company. At the most a negative report but not derogatory. I didnt refuse to pay I just could t pay at that time. The company was aware of this respectfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX {$430.00} $ XX/XX/XXXX XXXX XXXX  Acct # XXXX XX/XX/XXXX XXXX XXXX Acct # XXXX {$170.00} $ XX/XX/XXXX XXXX XXXX Bank Acct # XXXX XX/XX/XXXX XXXX XXXX Acct # XXXX {$60.00} $ XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$1600.00} $ XX/XX/XXXX XXXX XXXX XXXX  Acct # XXXX {$1100.00} $ XX/XX/XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Product: Credit card or prepaid card

For opaque reasons that are as unfair, American Express is consistently refusing to honor their advertised promotion to me when applying for their card ( see attached pop up image when attempting to obtain a publicly advertised offer ). 

After having been initially told that I am ineligible for any offers due to me electing to take advantage of their COVID relief program in late XXXX of 2021 and would need to wait a full year to reapply for a credit card with their company. Although the year has elapsed they continuer to not honor their publicly advertised promotion to myself- both when applying on the personal and business level. 

My credit score is above average and I feel that American Express is not honoring their commitment to the public by singling out applicants arbitrarily based on opaque reasoning that is equally unjust to the applicant. In this case, I am being treated unfairly and it is causing me to question their ethical practices in provided equal credit services to all Americans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXXXXXX XXXX ( Account # XXXX, XXXX  ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), and XXXX XXXX ( Account # XXXX ) in XXXX of XXXX. When I pulled my new credit report today on XX/XX/XXXX, I see that tis deleted item was now put back on my credit report. You did not notify me

within 5 business days that it was put back on my credit report and because of this section 611 violation, the accounts needs to be removed. I would like to see a new report showing this been deleted. 

XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I had a personal loan approved but the loan was never dispersed and now they charge interest and expect payments.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issue I am facing with fraudulent items on my credit file. This is my second attempt to address and rectify this matter, and unfortunately, I have not seen any progress in resolving the inaccuracies on my credit report. I initially reported unauthorized and fraudulent items on my credit report to your organization. Despite my efforts and the submission of the necessary documentation, the fraudulent entries persist. I had hoped that my concerns would be promptly addressed and the inaccuracies rectified to restore the integrity of my credit history. Regrettably, I find myself in the position of having to file a second complaint regarding the unresolved fraudulent items on my credit file Despite my persistent efforts, the fraudulent items remain on my credit report, posing a significant threat to my financial well-being and creditworthiness. This situation has caused me considerable stress and anxiety, and I am deeply concerned about the potential long-term consequences if not addressed promptly. I kindly request an immediate and thorough investigation into the fraudulent items on my credit file and request their removal. If this issue is not resolved satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. 

I have had multiple loans with UPLIFT, INC. and have never been LATE.

Because the instalments are AUTOMATICALLY drafted out of a bank account.

Have tried numerous times to reach out to UPLIFT, INC. and they can not find this account number in their system, which is negatively reporting on my credit report. 

UPLIFT , INC account # XXXX SHOWS 30 DAYS LATE ON - XX/XX/2022 In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank you.