23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Payoff amount provided by Rocket Mortgage 's personnel and by their website is more than the Closing disclosure document provided. All payoffs are based on a XX/XX/20 closing date. I'm refinancing with the same company ( Quicken-Rocket Mortgage ) as my current current loan. As such, you would think these numbers would match?? 

Payoff amount according to website viewed at XXXX XXXX and XXXX XXXX on XX/XX/XXXX : XXXX Payoff amount according to customer associate " XXXX '' at XXXX XXXX on XX/XX/20 : {$300000.00} Payoff amount according to closing disclosure document on XX/XX/20 at XXXX XXXX : {$300000.00} Payoff amount according to closing disclosure document on XX/XX/20 at XXXX XXXX : {$300000.00} When asked to explain why the closing statement is different than their own Payoff page and from their customer agent, they refused to provide me the data. in fact, as you can see, the payoff amount continues to increase with no viable reason.
Product: Prepaid card

I believe this prepaid Master Card gift card was purchased from a XXXX grocery store, but I'm not certain. It was gifted to me by my father. When I received the card, it was in its original, intact and factory sealed retail packaging. I removed the card from the packaging, placed in a safe place in my home where it was inaccessible to anyone but me until sometime later. When I decided to use the gift card, I went to the website to attempt to register the card to be able to use it online. The website listed on the back of the card is XXXX  When I entered the card number and CVV, the website responded as if the numbers were invalid. I called the phone number listed on the back and was asked to provide the registered name. I told them it hadn't been registered because the website wouldn't accept the numbers. They responded that they could not assist me if I wasn't the registered owner of the card. I provided my name. They said that was not the name registered to the card. I told them THE CARD HAD NEVER BEEN REGISTERED, SO THERE COULDN'T POSSIBLY BE A NAME ATTACHED. I asked for the name of the company I had called, and was told it was U.S. Bank. They told me I would have to fax a copy of the gift card and my driver 's license to prove I am the owner of the card. I asked how I could possibly I asked to be transferred to a supervisor. They refused. I asked for the address of the company, so I could send written correspondence. They refused to provide any information. Frankly, I was concerned this was a scam and a phishing attempt, so I was just trying to ascertain as much as I could about the scammer. I have since come to believe that this is a different sort of fraud, in which this company sold prepaid debit cards as " gift cards '' in retail locations and has deliberately disabled its online registration function, so that the cards are too difficult to use. They have, in effect, stolen the money my father put on this card by placing ridiculous barriers to usage.
Product: Mortgage

I was recently contacted about refinancing my mortgage with Quicken loans. I did not give permission for my credit to be pulled. They did so anyhow. They refused to fix the hit to my credit. All the did was " apologize for the miscommunication ''. Communication takes 2 parties. I was one of the parties. They, essentially, blamed me for their very poor practices and disguised it as an apology.

They also asked me to give permission to run my wife 's credit. That is illegal. I did not give it, neither did she. Then, like me, they ran her credit without her permission. These two instances happened with two di
fferent Quicken representatives. To me, it shows they're training or pressuring representatives to act illegally, in bad faith, and without consequences. These marks on our credit reports should be removed and Quicken should be punished for their poor practices.
Product: Credit card or prepaid card

This is the last word that I have for JP Morgan because I no longer work for XXXX. Also I will not talk to any women who work for JP Morgan because a XXXX there in the executive department had her phone recording up so high nothing made sense when she was talking and another lady there in the executive department transferred me anywhere with-in the bank because she did not want to answer my questions, a lady named XXXX XXXX argued with me for a month in XX/XX/2018 about a case that was closed already in XX/XX/2018 and XXXX was before her, and now you request that I speak to a XXXX ( are you crazy )! XXXX is known to be a underhanded-cut thoat company and their employees and that is why they picked J P Morgan Chase Bank. Please see all the attachments -they will show you how much funds XXXX gave you all for me, and the funds I sent personally- which adds up to be well over- balance amount of funding, and that is before I added my {$3000.00} J P Morgan owes me any credit funds $ XXXX-that are left. Have you checked the person who has been changing JP Morgan 's auto machine?
Product: Debt collection

My manger at work texted me and said she had someone call for an employment verification on me today, from a man named XXXX at XXXX XXXX at XXXX. 

Since Ive had identity theft before and worked hard to get my credit in order, I called XXXX XXXX XXXX to see what this was about. 

They informed me that they were hired by XXXX, but wouldnt give me a company name, and just gave me their number to call for details, at XXXX. 

I called the XXXX number and Midland Credit company is who the number belongs to. I spoke with XXXX XXXX and this woman said I owed XXXX XXXX XXXX XXXX, XXXX XXXX, and that thisbis an attempt to collect a debt. I explained my debts had been paid off over 15 years ago and above that, this is past Virginias Statute of Limitations which is 6 years. Midland Credit hired XXXX XXXX XXXX to call my employer. 

She said she could see that these judgements ( which I already paid over 15 years ago before judgements were made ), were expired and they would send them back to XXXX XXXX company, but that she saw two more accounts and needed to transfer me to a manager. 

She transferred me to a supervisor named XXXX ( with a XXXX XXXX  ). 
XXXX stated that there was a judgement for me for a XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. These were also paid off around XX/XX/XXXX XXXX and the statute of limitations have expired. I should not have any judgements on me. 

I have worked hard to pay off my creditors back then and over 15 years later, multiple calls are being made to my employer. 

I believe this to be harassment, and the statute of limitations for Virginia has expired. 

While I was on the phone with XXXX, I was disconnected, so I called back and talked to XXXX. She big up on me. I called back again, and spoke with a man. He put a cease calling on my account, which is good, but I dont think it was legal for them to hire XXXX XXXX XXXX to call my employer. 

I am up for a promotion, and now this looks very badly on me with the multiple calls. 

Please have them cease and desist. Also, how do I ensure my credit is not ruined because of them?
Product: Credit card or prepaid card

Ive been a Capital One XXXX customer for over 1 year. I have never missed a payment and have charged my card to the limit multiple times in a month and have paid it off numerous times. Ive seen my available credit increase the same day and time Ive scheduled a payment, or immediately the next day after the payment has been posted to my account. 
On XX/XX/XXXX, I made a payment on my Capital One for over {$290.00} and the payment was processed and posted to my Capital One account. On XX/XX/XXXX the payment had been withdrawn from my XXXX XXXX  XXXX checking account the same way its processed each time I make a payment. 
On XX/XX/XXXX, my available credit on my Capital One account was still without the over {$290.00} payment and my XXXX XXXXXXXX XXXX account balance was - {$290.00} from the credit card payment. Since this was the first time I experienced this issue, I called Capital One immediately for support. 
A tier 1 and senior support rep informed me that this was random and that they placed a hold on my credit card to confirm that the payment goes through on my checking account ; even though I have no history of missed payments or returned payments. Capital One even called XXXX  XXXX XXXX to confirm payment- which was being processed in my checking account with available funds and no further transactions scheduled either. 
XX/XX/XXXX, all payments have been processed through my checking account, still - {$290.00} available credit on my Capital One card. 
I feel disrespected as a customer. I feel manipulated and taken advantage of as Capital One has my payment and has not even brought my available credit limit to reflect the payment, but theyre saying that the hold want be lifted for 7 days meaning theyll have payment for 7 days, Ill be without the money in my checking account or credit availability on my credit card.
Product: Prepaid card

I have an American Express gift card in the amount of {$XXXX}. I have repeatedly tried using this with multiple vendors and it is consistently rejected. I have verified the full amount is available and activated the card online. However the card is consistently rejected. 
I've contacted American Express gift card support and they do not offer an agent to assist with an issue. The menu options are entirely automated and refer me back to the Amex Gift card website. I've also contacted American Express credit card support, but they can not assist with Gift Cards. Just yesterday, I tried using this gift card XXXX separate times at a local vendor. Each time it was declined without any explanation. We tried running the card for {$XXXX}, {$XXXX} and {$XXXX} - none were successful. 
I'm terribly frustrated and at a loss on how these funds can be used with this card.
Product: Debt collection

I have previously disputed Name : Bankruptcy -U.S. Bankruptcy, Court starting on XX/XX/. 

The companies responded that they verified the item as accurate, stating they verified the information with the courts/ third party. 

I contacted the Court Clerks Office and their response was they do not do reporting with any of the credit bureau 's or outside agencies. She stated that the credit bureau 's collect court reports on their own. 

I was guided to the courts website to verify that the information XXXX gave me is listed on their website for consumer rights and protections. 
Therefore, the initial responses verifying the item/s with the courts /third- party was either an error or a misunderstanding.

Either way, the reporting requirements do not comply with FRCA 611 ( 15 U.S. C. 1681I ). and the information must be removed immediately. 

Thank you,
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION AND XXXX, through there paid subscription gives authorization to XXXX XXXX TO ACCESS THIER SYSTEM REMOTELY GIVING THEM SOLE AUTHORITY TO REPORT CONSUMER ACCOUNTS AS VERIFIED ALSO THESE THREE COMPANIES GAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO CLASSIFY A CONSUMER ACCOUNT AS NOT BEING FRAUDULENT WHILE SIMULTANEOUSLY PROHIBITING TRANSUNION, XXXX AND XXXX ALONG WITH THE CUSTOMER FROM DISPUTING THE ACCOUNT AS FRAUDULENT. IN PLAIN ENGLISH AFTER A BUREA BLOCKS AN ACCOUNT AS FRAUD ANY PAID SUBSCRIBER CAN ACCESS THE ACCOUNT AND UNBLOCK IT AS FRAUD AND PREVENT THE CREDIT BUREAU OR THE CONSUMER FROM CHALLENGING ITS LEGITIMACY AS FRAUD EVER AGAIN! GIVING A PRIVATE PAID SUBCRIBER THIS BIAS AUTHORATIVE CONTROL VIOLATES THE FCRA IN ITS ENTIRETY. No consumer has any rights whatsoever given the access given by these three major bureaus. The above information was provided by a supervisor of all three bureaus. 

These accounts is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which TRANSUNION, XXXX, AND XXXX IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN!
Product: Checking or savings account

I use Chase for merchant services for my business, XXXX XXXX, XXXX, merchant ID # XXXX and Checking Account # XXXX ). I have two transactions from customers in which I have not been paid by Chase : XX/XX/XXXX : XXXX XXXX  Ending in XXXX for {$1400.00} XX/XX/XXXX : Chase Vise Card Ending in XXXX for {$870.00} Chase is not remitting payment to me because there is a legal hold placed on my account. There was a court ruling against a company with a similar name of XXXX XXXX, XXXX ( not XXXX XXXX, XXXX ) out of California ( completely unrelated to me and my company in Ohio ) and a law firm by the name of XXXX and XXXX sent a letter to Chase to freeze proceeds for the XXXX XXXX XXXX XXXX account. Again, this company is completely unrelated to me. I have spoke with attorney XXXX XXXX at the firm ( XXXX ) and he said the letter they sent to Chase clearly stated the correct business name ( XXXX XXXX XXXX XXXX ) and owner name ( XXXX XXXX XXXX ) and Chase must have accidentally froze my account instead of the correct one for XXXX XXXX XXXX XXXX. 

I have reached out to Chase on XX/XX/XXXX and XX/XX/XXXX with no success in getting my money nor does there seem to be any progress being made to resolve the situation. My Chase case number is # 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 right to privacy and confidentiality under 15 usc 1681. 
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  violated my rights. I looked at my XXXX credit report 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 to15 usc 1681 ( e ) ( b ) 1 ) 15 usc 1681 section 602 ( a ) states I have the right to privacy. 
2 ) 15 usc 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish a account without my written consent. 
3 ) 15 usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years. 
4 ) 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 has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Ive owed a credit card debit that I started a payment plan with XXXX XXXX  who is works with a law firm bt the name of Tenaglia & Hunt and they started the withdrawling the funds each month until the last payment was not released or never taken out of my bank account while the funds was in there to cover the payment. Then they waited a whole year to go by and take me to court for {$64.00} and send the company I work for a XXXX of wage notice by the Court house raising the amount to {$130.00}. I've found over 200 of complaints on XXXX with these two company doing the same to many more customers just to get more money out of us! THIS NEED TO BE PUT TO A STOP and needs to reported so others customers dont have to deal with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting unverified information on my credit report. Below are listed items that have been disputed but I have not received a response with any proof of accounts belonging to me. I have no contract with any of these creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Last reported : XX/XX/2019 XXXX XXXX XXXX Last reported : XX/XX/2019 XXXX XXXX XXXX Last reported : XX/XX/2019 XXXX XXXX XXXX Last reported : XX/XX/2019 2019
Product: Student loan

I never did take out a student loan with Sallie Mae or XXXX, that Sallie Mae Keep consolidating Students Loans in my name, they have ir-legally taken my Identity, its call Identity Thief!! I think it may be XXXX University committing the Fraud, because My Students Loans came from XXXX, and XXXX XXXX is my Service Lender. Internal Revenue would actually give my Federal Refund to Sallie Mae and XXXX for Students Loans, I never did take out!!! The Treasury Department needs to be Court Ordered!!! XX/XX/XXXX irlegally taking {$840.00} tax refund of {$1200.00} ( XX/XX/XXXX ), my Federal Refund ir-legally would be garnished for Identity Thief for Sallie Mae and XXXX XXXX XXXX, I never did take!! My real loans in deferment, while I keep applying for Occupations in my field!!!! I would report to the Internal Revenue in the Highest Degree of with Sallie Mae and XXXX, and had stolen my Identity, which is still Identity Thief!! Meaning my Federal Refund goes XXXX and XXXX XXXX, and some of the catalogs!!! When Louisiana State Revenues knows better, so can the Fraudulent Internal Revenue, The Treasury Department, XXXX that committs the Fraud of giving my Federal Refund, and my business is extremely slow there is no from profit from it!!!!, I do not have a job in my field to pay on a Student Loan, I practically, live off the XXXX employers, I worked, for and you would not get {$680.00} dollars working for XXXX employers, no one really wants this Federal Agency looking into their work history!!! With Fraud that they committ!!! Part of refund was supposed be used to pay on my Credit Card XXXX {$240.00} dollars payment of them trying to lend me {$520.00}!! ( A settlement payment )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It XXXX Concern, I am writing to formally dispute and address several inaccuracies and violations on my credit report, as well as to reiterate my rights under applicable laws. I believe that the accounts listed below have been inaccurately reported, and I am seeking the immediate removal of these unverified accounts from my credit report : 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 I must emphasize the urgency of addressing these concerns. The inaccuracies and unverified accounts on my credit report have had a profound and distressing impact on my life. The financial strain caused by these errors has affected my ability to secure loans, housing, and even suitable employment opportunities. 

To illustrate the emotional toll, allow me to share a personal story. As I stood before my dream home, the culmination of years of hard work and sacrifice, I was met with the crushing reality of the negative impact these inaccuracies have had on my credit score. The lender 's hesitation, the doubt in their eyes, and the subsequent denial of my mortgage application shattered my aspirations. The weight of these errors has caused sleepless nights, overwhelming stress, and has taken a toll on my physical and mental well-being. 

I implore you to take immediate action to rectify these injustices. Under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and verified information on my credit report. These unverified accounts not only violate my rights but also contribute to a cycle of financial distress that I am struggling to overcome. 

In light of these circumstances, I formally request that you enforce my legal rights under the FCRA and other relevant laws by : Investigating and verifying the accuracy of the disputed accounts. 
Removing any unverified accounts from my credit report. 
Providing me with written documentation of the investigation and resolution. 
I understand the vital role credit reporting agencies play in our financial system, and I trust that you will treat my case with the utmost care and urgency it deserves. 

Thank you for your prompt attention to this matter. I look forward to receiving a written confirmation of the actions taken to rectify these issues within the legally mandated timeframe. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I'm sending this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$240.00}.
Product: Credit card or prepaid card

I logged on to the American Express website to make a payment only to be greeted on the landing page by a red warning notice " account closed ''. This was a big surprise after being a customer since 2004. Especially since I have always paid my payment or contacted them to inform if the payment maybe late. I called the customer service dept and was told I could apply for a reinstatement, but 6 days later I got a denial letter stating the only reason for a denial was my current fico score. Its currently at XXXX but was XXXX for many years and I pay my bill with the same integrity now as I did in the past. Whoever decided to close my account did so by his/her opinion, not by the facts of my case, and did so rudely by giving no warning or chance to improve whatever he/she felt was the issue that warrants further destroying my credit score. I just recently completed 12 months of covid relief payment plan with success ( XXXX payments on time ) and the account closing date of XX/XX/XXXX was my early Christmas gift from Amex is an eyeopener for me since I have kept this acct open and in good standing many years naively thinking Amex was appreciative of cardholders such as I. They dont know or realize that my fico score declined after another bank charged off a credit card and obtained a judgement without my knowledge. Unfortunatetly that bank didnt get a penny from me since my disabilty retirement check is protected from garnishment and if they had left my account opened it would still be paid monthly by me. Amex will be the next failed attempt that will never get a penny from me. It works both ways, I can permanently end things with them especially since they seem to want it that way,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Blocking, inc. ) Due to inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ) specifically cash app failed to take timely and effective measures to provent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electoral fraud transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

There is wrong address on my credit report and I disputed with XXXX credit agencies and they didnt remove it except XXXX XXXX Please ask them to delete this wrong address