23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX and XXXX XXXX were deleted from my credit report as a result of a credit dispute initiated by myself. 

Since this time, XXXX XXXX and XXXX XXXX have continued to report negative inaccuracies to all the major credit bureaus causing myself to lose opportunities for home equity loans, credit cards, and more. Ive had to sell my house I was renovating, however without a bank loan, Im not able to complete from personal funds. However, whenever ai decide to apply, I see XXXX XXXX and XXXX XXXX reporting inaccuracies to the credit bureaus. The credit bureaus who deleted these accounts as a result of the investigation are also negligent in this case because they deleted these accounts after an investigation in XX/XX/XXXX. There should be no way to report accounts which have been investigated and deleted. I have sent over 15 hand written letters to all parties and these accounts are investigated and deleted but only for maybe 6 months or maybe up to a year, until they re-appear. XXXX XXXX continues to sell my personal information to debt purchasers unlawfully. These debt purchasers, along with the original creditor, has filed a 1099C for cancellation of debt, but have not provided the consumer with a copy and has continued to report the debt. This is the same for XXXX XXXX  and XXXX, XXXX XXXX Debt purchasers. XXXX has reported to the major credit bureau on XX/XX/XXXX, they are moving my account to collections. This after the account had been charged off and cancellation of debt completed with the IRS.
Product: Debt collection

On XXXX XXXX XXXX I received a Seriously Past Due notice from Transworld Systems Inc, address in XXXX DE, for an alleged debt I supposedly owe to XXXX in the amount of {$110.00}. I wrote to Transworld, explaining that I did not owe this amount to XXXX ; and that another collection agency, XXXX XXXX XXXX, recently tried to collect the same amount for the same " invoice. '' I do not do business with XXXX at all. XXXX XXXX XXXX dismissed the debt in its entirety.
Product: Credit reporting or other personal consumer reports

Hello, Today I recieved a bill from Apple Inc. under Goldsman Sachs bank for a charge off bill of {$4400.00}. I did research and determined that all of these transactions took place in california and i do not live there. I tried calling the company and they gave me a hard time of removing the bill. This is fraud and i want it investigated and removed.
Product: Mortgage

From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX XXXX EDT To : XXXX Subject : Rocket Mortgage Loan To the Board of Directors of XXXX XXXX, My name is XXXX XXXX and I have a relationship with your firm that Ive enjoyed for a few years now. 

A few months ago I inquired about a home mortgage through your relationship with Rocket. I was only looking for a mortgage for about 50 % of my homes value. In the very first call I explained to XXXX XXXX that I did not carry wind insurance on my home and was this something they were ok with. Just Wind Insurance costs $ XXXX $ XXXX with a {$100000.00} deductible. He got back to me with the only state we require wind insurance is Hawaii. 

So we went down the road, I was satisfied with where we were going and moved more assets in to get more favorable pricing. A month or so goes by and I get a request for my wind policy. Needless to say I was upset. By then, I had dropped my processes with a couple of other lenders and now rates were rising. This has put me in a difficult position. I now have to pay an extra $ XXXX/year, ( which is a throwaway given the deductible ). Im sure XXXX did not do this on purpose, we all make mistakes. But the way its been handled has not been right. 

My processer, XXXX XXXX has been great. She did not know I had been told no wind insurance was required but totally understood my predicament. We spoke and I asked XXXX for a Quarter point reduction in the rate because of what Rocket had done to help offset the increased costs due to the Insurance requirement. They gave me the quarter point reduction but tacked the nearly point on to the closing costs, basically treating it as a buy down. XXXX apologized, knowing I was not looking to buy down. She reached out a few times to get some feedback but never received a response, then she was out for a few weeks but had told me someone would get in touch with me. No one did so I sent an email yesterday and after a few emails was told no way they are budging. By the correspondence, Im not sure they even understood I was not asking to waive the insurance, only the point. 

Ive tried to reach someone at XXXX, but always ended up with someone at Rocket. Rocket has little to lose, XXXX had no input from me because there was no one to speak with. So now Im faced with potentially having to transfer the assets out of XXXX to get a mortgage elsewhere at a higher rate, all due to Rocket. 

The last call yesterday a lady named XXXX XXXX got on the phone, was very nice and indicated shed be back to me by Monday. Im writing this as she is with Rocket and just wanted to ensure someone at XXXX had seen this. 

Ive attached some email correspondence ( there is more ) and would appreciate a response. 

Thank you, XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX sold my mortgage to a mortgage company called PennyMac out of XXXX XXXX, California. My account had been delinquent with XXXX when it was sold. I was catching my mortgage account up by paying XXXX payments around mid XXXX and XXXX turned over the last payment that I paid before the loan was sold, that made XXXX payments that was received this month, on the XXXX of XXXX I sent another payment, that 's XXXX payments, which only left me due for this month, XXXX. I got home this afternoon XXXX XXXX XXXX XXXX the mortgage company Pennymac had come to my house and left a sealed envelope with my name saying confidential on my front door, with the same information that was sent to me in the mail from them. Why do they need to come to my house, this is not a rental house and I did n't expect to be harassed by my mortgage company. Would this be because I 'm a woman and there is only XXXX name on my mortgage which is mine and it makes me an easy target. I just talked to my assigned representative yesterday over the phone and she noted my account for the last payment I sent. My mortgage is due for this month ( XXXX ) and Pennymac has already decided to be a thorn in my side, needless to say how upset I was about this, I called them and the only thing the rep told me was he would notate my account. If the mortgage company is making contact with me why are they coming to my house? Do n't appreciate this kind of business ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 
By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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. 


XXXX XXXX RECORDS : XXXX XXXX Bankruptcy XXXX INQUIRIES 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX : I tried to use my card and it was declined, around XXXX XXXX. 
I called Synchrony : Sam 's Club and they informed me that where I had a payment returned, I was considered high risk and they closed my account. Even though I had not missed a payment. I actually pay well above my minimum payments each month. Since My TJ MAXX card is also with Synchrony, I have now had XXXX accounts closed that will be reported to the credit bureaus XX/XX/XXXX. 

Payments made and the return payment info listed below : On XX/XX/XXXX, I made a {$2000.00} payment that posted. My minimum payment required was under {$150.00}. My payment was due today, XX/XX/XXXX. I also have autopay set up for {$500.00} every month so I do not miss any payments. 

I was trying to make additional payments from another account to pay off my credit card amount. I input the account number in wrong on XX/XX/XXXX for the amount of {$4600.00}. When I realized it had not posted on my account, I tried to make another payment from the same account and I noticed I left one number on my account number out. I fixed this error on XX/XX/XXXX and set up the second attempt to pay from this account for the amount of {$5300.00}. This payment was returned. The Credit Card company said that the account was closed and the bank returned it. We have since called the bank, on XX/XX/XXXX, and the account is in fact NOT closed. The bank shows that it was the credit card company that returned the payment and not the bank. 

All I was trying to do was pay off my entire balance, from XXXX accounts, while I still made a {$2000.00} payment, which was way above the minimum payment due for the month.
Product: Student loan

My loans were transferred from XXXX to Navient in XX/XX/XXXX. First they increased my payment amount from {$380.00} to {$390.00} for XX/XX/XXXX When I called and asked why they sent me document that just said I was on a graduated payment plan but did not spell out the payment plan. I also noticed that all the payment was going towards interest and not principle. When I asked them about it I was told I had accrued interest of {$340.00}. I asked why - this did not occur with XXXX - why with the transfer did I accrue interest. They told me they would send me documentation on it. All they did was sent me payment history for XXXX months with current account info. Again they did not address the why it occurred. I find their lack of transparency disconcerting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute about the inquiries on my report that is not me and no proof has been sent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I am reporting a fraudulent inquiries founding in my credit report
Product: Mortgage

I have my mortgage with MrCooper. I am trying for months to arrange an appointment for an appraisal in order to be allowed to drop the PMI of the mortgage. Eventually, I managed to submit the request for the appraisal on XXXX, XX/XX/XXXX. I was told that someone is going to contact me to arrange the day and time of the appraisal. No one did that. So, today ( XX/XX/XXXX ) I called to MrCooper again in order to follow up with my request and arrange the appointment for the appraisal, but I was told that I will have to wait for 30 to 45 days for someone to call me for the appraisal.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : DISCOVERBANK XXXX
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 confidentiality under 15 USC 1681Collection Agency XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Collection Agency XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Collection Agency XXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a 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 ) 7 ) 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: Checking or savings account

I opened an account over the phone and enrolled with a checking bonus offer of {$300.00} I completed everything on ( XX/XX/XXXX ) to be eligible to receive my bonus which was confirmed by multiple representatives at Citibank. I was told by a supervisor that the money was supposed to be deposited into my account on or around XX/XX/XXXX. Almost 10 days later I called back and they told me they have no idea what happened to the bonus, and indeed confirmed that It was supposed to be deposited in my account by now. Supposedly Citibank has had an issue honoring their word and delaying paying out the bonus to qualifying members.
Product: Checking or savings account

I have a small business, I opened a business checking account with Chase business account services on XX/XX/2021 online, a confirmation email was sent to my XXXX  ( see XXXX XXXX- congratulations we approved ... '' ). I immediately deposited several checks which were accepted as evidenced in screenshots of my messages from my online Chase portal ( see " secure messages 1-4 '' ) totaling XXXX USD. 

On XX/XX/2021 one of my clients attempted to pay me by XXXX. This payment was rejected ( see " secure message 5 '' ). When I next signed in on XX/XX/2021 there were no longer any accounts listed ( see " secure message 6 '' ). Chase made no attempt to contact me to explain what it did with my money which had been deposited ( see " secure message INBOX '' and XXXX XXXX XXXX XXXX '' for evidence that there was no communication from Chase regarding the closing of my account. ) I responded in the online portal and was a given a number but no explanation ( see " secure message 7 '' ). 

I went to the local branch where I was told that the checks were made to a trade name that I had not listed on my application and that documentation of my trade name would be necessary to release the money to me. I provided all relevant documentation and was told my money would be in the mail and that it would take 10 business days in late-XXXX. At the date of this writing the money has still not arrived and I have been to the local Chase branch ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) multiple times where I have been told verbally several different requirements. Branch workers have told me they can not provide any of these requirements in writing and so I have no documentation of anything as Chase has been unwilling to give me a written explanation of why my account was closed and my money seized and not returned or of any deficiency in my LLC documentation. 

I have called the number given to me by branch staff ( XXXX ) to ask for written documentation of any aspect of the process by which our account was closed, our LLC documentation was given, what issues there were with the said documentation, etc... I spoke to XXXX XXXX who is a Supervisor at the Chase Fraud Hotline who said he is unable to provide documentation in any written form as to any aspect of the process.
Product: Debt collection

I have received multiple phone calls from different phone numbers. Sometimes they leave a message and sometimes they do n't. When the message is left it states if I do n't contact them legal action will be taken, and I will be served at my place of employment. The last phone call I received the message said I was a person of interest. I called the number back due to wanting to find out what this was all about. The guy said he was calling from Concord Resolution and his name is XXXX. I would not verify my social security number so he asked if I lived at the address that was listed. I agreed to verify my address. He said I owed money to a pay day loan company called XXXX XXXX, XXXX. He said they attempted to collect the debt multiple times but have not been successful. I informed him they never sent me any paper work claiming I needed to pay a debt. I have never taken a pay day loan out with XXXX XXXX, XXXX. He said this is the last chance I have to pay {$520.00} and if I do n't pay it today he will have to say it was not collected and my wages will be garnished. I informed him until I receive paper stating that they are filing a lawsuit or filing a claim against me in court they can not garnish my wages. The number XXXX gave to call him back was XXXX. There have been multiple other numbers that have called also, I did not save them. He also wanted to verify any banking information, I informed him I will not say yes or no, because that is not valid. He said the loan was taken out in XXXX XXXX, 2013. I informed XXXX he needed to send me the paper work he has in front him so I can verify it was legitimate. He has still not sent me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) in order to request a formal investigation and correction of an account that appears to contain inaccurate and incomplete information on my credit file, as required by the Fair Credit Reporting Act. Regarding the XXXX XXXX  XXXX XXXX account with a balance of {$0.00} and a date opened of XX/XX/2021, I would like to verify the payment history and current status of this account. I strongly believe that this account is reporting inaccurate information. I have always made my payments on time and have maintained my own payment records. The information provided by the Credit Bureaus does not align with the records I have. I kindly request a thorough investigation into this account to ensure legal and accurate reporting. Additionally, I kindly ask that the Credit Bureaus verify the aforementioned account. If the information can not be fully substantiated as completely accurate, I respectfully request an immediate correction of this account on my credit report.
Product: Credit reporting or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! CREDIT ACCEPTANCE CORPORATION VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS DEPT OF ED/XX/XX/XXXX XXXX 1st reported date changed DEPT OF EDXX/XX/XXXX XXXX 1st reported date changed 621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I discovered through the landlord of a property I was applying to rent that I had no credit score reported by Experian. Upon discovering this, I checked the application XXXX XXXX and it too showed no score. Not a zero, just no score at all. I also noticed that XXXX  has reported no score. I am XXXX years old and have paid bills all my life, Ive had to pay collection agencies, utility bills, etc. I am now being denied homes I am applying to rent. I cant get a credit card, even a card for people with bad credit. I called Experian and was told by an automated message that there was a technical difficulty and the call was ended. When I called back, the line gave a busy signal. I am a hard working XXXX  XXXX with a wife and XXXX children, I pay my rent and my taxes on time and I donate to charity. To be unable to move forward in life because a credit reporting agency has no record of me is absolutely unacceptable. Please help me correct this problem. Thank you.