23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Have been with Quicken / Rocket, approx. 20 years. Never missed, never late that I recall. Rocket contacted me to refinance. the process was pure harassment, start to finish. Bank statements, back to many years, identity checks that were ridiculous. '' Is this you in the photo? verify that in three ways. Do you swear that is you? Do you know XXXX XXXX? Who is he? Where does he live? Did you own a 1997 XXXX XXXX. This harassment went on for at least 2 months. This after a long term, stellar record with the company! All was unnecessary, they already had every detail of my life, and I mean everything! Finally complete, and the new deal was a benefit. Presently, Rocket is attempting foreclosure. I am behind by a measly, {$1600.00}!! Incredible!!!! This because I have 2 very debilitaitng medical conditions, which cause horrible pain. Traditional medicine can do nothing. I need XXXX XXXX XXXX, which are not covered by insurance. I need XXXX the wife,XXXX, totaling {$140000.00}. So, I have channeled the cash to finance this, very critical solution. Mr . Rocket, would do no different. A person can stand only so much physical pain. I have contemplated XXXX XXXX seriously contemplated it! Please sanction, please fine heavily, please force positive changes! I am a tough XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bucked off, onto my face, broken bones, been badly burned and more. But this, this is XXXX ON EARTH!! Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to address a critical issue regarding my recent disputes with your bureau. Despite filing 4 rounds of disputes and requesting thorough procedural investigations, inaccuracies remain on my credit report. My previous disputes were reportedly verified, but the following inaccuracies persist. After 4 rounds and asking for reinvestigation reporting this account, your investigations have failed to correct these inaccuracies, indicating that the investigations did not properly address or rectify the issues at hand. The continued presence of incorrect information on my credit report not only violates the Fair Credit Reporting Act but also demonstrates a lack of due diligence and fairness on your part. 
Given these unresolved issues, I demand the following actions that this account is deleted and removed from my credit report immediately! 
The failure to accurately report and correct this information impacts my credit standing and financial stability. I expect prompt and accurate resolution to this matter and will consider further actions if these inaccuracies are not deleted and removed. 
Thank you for your immediate attention to this pressing issue. I look forward to your prompt response and resolution. The credit bureaus have not did their job nor their due diligence. Theyre not being fair and theyre not being accurate in the reporting of my credit report. Heres the following inaccuracy that exists in this reporting and Im DEMANDING a DELETION of this account from my report. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitation You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX. Account is repeating Charge off as if the debt is new and open XXXX. Reporting different payments date and missing payment dates Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I inquired for a personal loan through Prosper Marketplace. After filling out the application online, I was automatically declined. I promptly received an adverse action notice as required by law with the required statement of specific reasons. According to the letter, these specific reasons caused their credit scoring system to score me below the minimums. There are XXXX reasons provided, all are vague. One of the specific reasons for the decline provided was " Payment on student loans is too low in proportion to balance. '' This statement is completely false. I do not have any outstanding student loan accounts and no payments required. I became concerned that there was inaccurate information on my credit report. I immediately obtained a copy of my credit report from XXXX, which was the reporting agency Prosper stated they obtained information from. After reviewing my credit report, I found no errors on my XXXX report. I had XXXX student loans in the past, but XXXX correctly reported that the status of XXXX student loans accounts was " Paid, Closed ; was paid as agreed. '' Because the information obtained by Prosper correctly reported no active student loan accounts, there was no merit to the claim that I did not meet criteria on the basis of the payment on student loans is too low in proportion to balance. My complaint is that Prosper 's credit scoring system is inputting false information into the calculation. In this case, it contributed to a decline. Even more concerning is that it would be theoretically possible for the system to inaccurately price risk into approval decisions and offer consumers less favorable terms than they would have otherwise qualified for. It would be impossible for consumers to know this because there are no notice disclosures required if the application is approved. As noted on the adverse action letter, XXXX rates my credit as excellent supported by the high credit score shown on it. Although Prosper states that credit score is only one factor considered, this shows that this is not a case of declining a file due to poor credit. I attached the adverse action letter but did not attach the credit report for privacy concerns. It is available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires reporting I did not authorize showing on my Transunion report I want removed immediately. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I have reached out to companies and was told I would have to submit dispute. I also called Transunion and have written them several times to inform them of this and they have not done anything. I want these unauthorized inquiries deleted immediately as they were not made by me. Prof of address and ID has been attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
NO proof I initiated such inquiries, nor written authorization Remove these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.I was informed by creditors that you should remove. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A debit hold has been placed on my account after I Froud event however no funds where affected. My online account was secured by changing the user name and password but Simpal Bank instated on a debit hold. This was on the XXXX and I do not even have food for my family. All my funds are in that account.
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 XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes regarding inaccuracies on my credit report and to highlight discrepancies in reporting among the three credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), I request a thorough reinvestigation of the following accounts to ensure that my credit reports are accurate and consistent across all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.
Also section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
I appreciate your prompt attention to this matter, and await your reply.
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or about XXXX  XX/XX/XXXX, I contacted debt collector LVNV regarding XXXX accounts XXXX XXXX  and XXXX  XXXX both charge off accounts that and LVNV purchased these accounts in XXXX however pursuant to the FCRA they are reporting opened in XXXX when they were actually opened XX/XX/XXXX and therefore XXXX FCRA rule should apply and these XXXX accounts should fall off or be deleted this year in XX/XX/XXXX however LVNV is not the original creditor and bought tje debt as bad and therefore shouldn't be reporting to creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 we applied for, and was granted a COVID mortgage forbearance for our property by XXXX XXXX  which went into effect XX/XX/2020 through XX/XX/2020. In XX/XX/2020 our mortgage servicing was assumed by XXXX XXXX XXXX, XXXX. In late XX/XX/2020 I recieve a " Late Morgage '' notice for our XX/XX/2020 payment and immediately reached out to XXXX to notify them we were on a forbearance and uploaded our origional documents to their portal. They claimed to have " no record '' of our agreement with XXXX I was immediately placed on a new forbearance plan with XXXX that was to run from XXXX through XX/XX/2020. I continued to contact XXXX numerous times as the " XXXX '' missed payment ( which was protected under a forbearance plan by the previous servicer ) was going to be an issue in time. Sure enough in XX/XX/2020 XXXX reported missed payments to XXXX, Equifax and XXXX   credit monitoring. My score dropped from XXXX to XXXX. I have since reached out to XXXX loss prevention numerous times, only to be told " we are working on it '' in one call, to " we have no record of your previous forbearance '' others. This is 100 % blatant abuse of the CARES act by our mortgage servicer and there seems to be no recourse for those of us who applied for, and were granted, relief during the COVID pandemic. Please help.
Product: Debt collection

I ran my credit report and found that I had a collection account on my report for XXXX. I called XXXX because I did not have a bill that was missed or not paid and XXXX confirmed this. I called the debt collection agency and asked about the debt and requested the debt validation paperwork within 30 days. The company did not respond. I called back months later and the company is still saying I owe the debt. They are calling all of my family members and leaving messages that I am in legal trouble. They never sent me the debt validation paperwork upon receiving the debt. They continue to harass me and my family through phone calls.
Product: Debt collection

RMP SERVICES LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) is reporting on my personal credit file with ( XXXX XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
RMP SERVICES LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} RMP SERVICES LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00}
Product: Checking or savings account

My Citi Bank account was closed on XX/XX/22. 
It is XX/XX/22 and I still have not received a check with my closing balance. I am told by Citi Bank that they have to decide whether or not they are going to send two of my payroll check amounts deposited shortly before the account was closed, back to my employer or include it with my closing balance. 

I have a family that is desperately in need of these funds that are mine. Its not right to put my families well being in jeopardy and hold onto to funds that are rightfully mine for this long. 

Send the funds back to my employer if thats the issue. I can get them to issue me new ones. But, just make a decision. It has been a month and half now and I have called twice a week since XX/XX/XXXX and get nowhere. I am told I should get notice in 48 hours every time. 

Please help! 

Thank you
Product: Checking or savings account

There was no information with detailed dates and the proof the yearly max was hit and whether the first overdraft from the policy was within the same yearly time frame.
Product: Mortgage

I have been sending extra money to Ocwen to be applied to my principal balance, yet they continuously fail to do so. Ocwen sent a letter to my attorney alleging the issue had been resolved ( see letter ). 
Yet, money is in suspense, as opposed to being applied to my my principal balance. They claim my next payment is due in XXXX XXXX, however, it all of my extra money has been applied to my account-then my payment is due for XXXX XXXX!
Product: Vehicle loan or lease

hello i was in accident and the bank they new i was on XXXX had low income and barly can make the payment they plotted with the insurance comapny and refused to help with car and i am still struggling to pay this loan i have no money i am XXXX and very poor they are forceing me not to pay so they can repose the car and take the vechile they refusing to help me ower the payment i am going into debt into a hardship and basically runing me dry of money they let the insurance cancel my policy with out care they basicly pointed the finger on me they left it off for 8 month the car insurance and poltted with them to leave insuras off for 8 month not telling me they cancelled the insuras not notfiyed me about them removeing it they are still haveing me pay for car loan XXXX the car was over priced XXXX for 95 % more then the car is frist off that price gruge this was not my fualt XXXX XXXX this guy was driveing on the other side of the road and i was XXXX XXXX  me had camera and is being handle buy a lawyer they are abuseing this contarct and me the consomer the contract they have they are abuseing it have done nothing to help me EXCEPT try and repose REPOSSESION my car they are abusing me and being loan comapny they sold a car that is actully unsafe to drive that make me qestions them more and had the car company send letter ABOUT RECALL TO THAT VECHILE makeing a statement THIS VECHILE IS RECALLED AND MAJOR SAFTY ISSUE HOW AM I BEING STUCK WITH THIS IDK THEY REFUSED TO SPEAK TO MY LAWYER AND REFUSED TO LOWER THE PAYEMNTS THEY REFUSED TO DO ANYTHING THEY WANTED TO SCREW ME THEY DID WHAT NEXT NOW IM OUT XXXX MONTHLY THNAKS AWFUL BANK AND THEY KEEP GIVING ME FALSE INFORMATION AND REPORTING FALSEINFORAMTION TO CREDIT COMPANY WERNT THEY JUST SUED FOR THIS?? PLEASE HELP ME THIS PEOPLE ARE SCAMING ME IT NOT GOOD
Product: Credit reporting or other personal consumer reports

This account is being unlawfully reported : XXXX XXXX XXXX amount {$2400.00} 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Credit report correction. I have attached the accounts that need deletion, please make this correction to my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX all violated my consumer rights to privacy under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out.

( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.
Product: Debt collection

Please review my report. I noticed the creditors is not cooperating with my request I need with the inaccurate items on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Corelogic Credco have inquiried hard pull in from my credit report with out my authorization and it's affecting my credit.
Product: Debt collection

My XXXX XXXX Credit Card Account was charged off and sent to collection with prior notification. I was not contacted at my current address and FDCPA ( codified as 15 U.S.C. 1692 -1692p ), FCBA guidelines for Debt Collection were not followed by Resurgent Capital before reporting to XXXX , XXXX and XXXX . I was shocked to see the collection account on my credit bureau reports, reporting as LVNV Funding which is associated with Resurgent Capital, and immeditaley contacted them and paid the settlement in full on XXXX/XXXX/2015 to XXXX XXXX and XXXX which collects debts for Resurgent Capital/ LVNV Funding LLC ( Payment Confirmation XXXX with XXXX XXXX and XXXX on behalf of Resurgent/LVNV, file number XXXX ). This should not have happened had I been contacted or made aware of the upcoming collection debt. Also, I have been trying to contact XXXX XXXX Bank prior to seeing the collection account on my credit bureau reports but it was extremely difficult to get proper information about my account, and how to take care of the account and bring to current. They had charged the account off and sold it to collection without any proper notification and contact. I am well aware of my rights to receiving fair and timely information regarding my financial obligations and I should have been notified about any account going to collection. 
I am requesting Resurgent Capital, LVNV Funding XXXX XXXX XXXX to immediately remove the Collection account for XXXX XXXX Bank from all three of my credit bureau reports. It is adversely affecting my credit standing and hurting me, my family and my family 's financial health and well being.