23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My persons name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX I am XXXX percent XXXXXXXX XXXX  I do not recognize any other information or names. I am very simple man. I am a law abiding man. 
I can state a lot of mumbo jumbo but the facts are simple. 
UCC 1-308 HJR 192 15 usc 1681 15 usc 1692 -1691 15 usc 1679 12 usc 5301 XXXX XXXX XXXX XXXX  The bad credit industry is very profitable.
Product: Money transfer, virtual currency, or money service

Zelle has been completely unhelpful in my dispute reports beginning in 2020 to recently. I was unsure of a few charges and they did not investigate, they simply said they were sorry and there was nothing they could do. I later heard of the CFPB lawsuit and their reports and issues with Zelle. I feel that Zelle is allowing scammers and hackers to use their site and get away with defrauding consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account Number XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we were behind on our mortgage because of a loss of employment. We were able to sell our home and the title records show we sold our home. Earlier this year we got a construction loan and started building a home. We are getting close to completion and started working on the mortgage loan. We were turned down because at least one of the credit reporting agencies are reporting the mortgage as a foreclosure. In XXXX we contested this with XXXX XXXX ( XXXX  ) after learning about it when we tried to buy a car in XX/XX/XXXX. We have the letter from XXXX that states they started a foreclosure process in XX/XX/XXXX but it was not completed and the loan was paid in full after the sale in XXXX. We thought that the reporting was corrected. To start this home project we pulled money out of a retirement fund. We have been turned down by two lenders because " we had a foreclosure within the past 7 year ''. If we don't get a mortgage by the time the construction is complete and loan is due, we will loose this house and the XXXX we invested from our retirement. We have records of the sale, the county assessor shows the sale, yet we stand to loose everything because Experian is reporting this as " foreclosure or repossession ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by a Consumer Rights Attorney to dispute this account before we file a legal complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is under SO MUCH VIOLATIONS when it comes to my credit report. First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the metro 2 software. If this account is not removed, when this is taken to court I will make sure I receive my {$1000.00} per violation.
Product: Mortgage

My wife and I applied for a loan with Rocket Mortgage after they called and emailed multiple times ( attached ) and told me they got a request to pay off our current loan with Rocket Mortgage. We had a loan in process and Rocket promised us a low closing cost loan at a slightly better rate. I let the company ( XXXX ) who was working on our loan know our decision and they thanked my for notification. I have copies of this email. 
Rockets loan was for 2.125 % rate no points and they would pay for appraisal 15 year loan with approximately {$100000.00} cash out. Our current loan with Rocket is at 4.6 % with about {$65000.00} balance remaining. 

The Rocket agent promised that they could close the new loan quickly and that we were 100 % approved. We did all the steps required let their appraiser have access etc. and provided all documentation. I requested updates and they kept saying the ball was in their court. About 2 or so weeks ago Rocket called and said since appraisal came in for so much more than we estimated trying to get us to borrow more money. About two days later someone called and said its taken them too long to get the title company ( which they chose ) to close the loan so they sent me an updated rate with points ( their title company notified us on XXXX XXXX see attached email that they were working on loan ). I said that is unfair and could you please just keep the original terms. They passed me from person to person for about two weeks I think and now today the person XXXX XXXX tel XXXX email XXXX said " After speaking with many people it looks like we are not able to do the loan as was once stated '' He also said he tried to get in touch with me but was unable to get a response. I have no emails, texts or phone messages from him. I requested the Rocket Mortgage legal department contact with no response and told him via text that I was going to file a compliant with the Consumer Financial Protection Bureau. 

I have numerous emails and text messages from the 90 day ordeal ( most emails attached ). They got me to switch from a company that I had worked with before and a company which had extended lock periods due to their inability to get an appriaser in a timely fashion. This is unethical and I would assume illegal. 
Please let me now next steps. Thanks
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S. code 1681 Section 602 states i have the right to privacy.

15 U.S. code 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

15 U.S. code 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
Product: Mortgage

I request paper work for a refinance on the first week of XX/XX/2022, I havent receive the paper work as of yet! I called twice and the company told me I will get it be XX/XX/XXXX still have not received it! I called last week and they said it was in the email I still have not receive it! They put a sale date on my house before I complaint about the successor of interest rule and they never call me to explain they just put the sale date without even offering any other solutions Please send me paper work for a loan modification
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/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 rights to privacy and confidentiality under XXXX XXXX XXXX. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name XXXX Account # : 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  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Bank account or service

I responded to a special promotional offer to open a Citibank Citigold Checking Account on or about XXXX XXXX, XXXX. The promotional offer code was XXXX and stated that, after I met certain specific requirements, I would receive a bonus of XXXX Thank You ( TY ) points. I met all the requirements by XXXX XXXX, XXXX. I contacted Citibank twice to confirm that I qualified and would receive the XXXX TY points, and Citibank twice confirmed that I would receive the XXXX TY points no later than 90 days after I met the requirements, that is, by XXXX XXXX, XXXX. Those confirmations occurred in online chats with Citibank representatives on XXXX XXXX, XXXX ( chat with Citibank representative named " XXXX '' ) and on XXXX XXXX, XXXX ( chat with Citibank representative named " XXXX '' ). When I did not receive the promised XXXX TY points, on XXXX XXXX, XXXX, I contacted Citibank on XXXX XXXX, XXXX. Citibank conducted an '' investigation '' and notified me by letter dated XXXX XXXX, XXXX that I did not qualify for the bonus, even though Citibank representatives twice confirmed that I would receive the bonus. I asked Citibank to reconsider the decision on XXXX XXXX, XXXX, and Citibank again notified me by letter dated XXXX XXXX, XXXX that I did not qualify for the bonus. I feel misled and cheated out of XXXX TY points, which are worth {$500.00} or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being hit with a hard inquiry CAPITAL ONE Inquiry date of XXXX XXXX XXXX I never applied for any new cards on said date and this inquiry was not made by me.
Product: Bank account or service

In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 
- See offer below After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 
- See confirmation message below On XX/XX/2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX 2016. 

On XXXX, 2016, I did not receive my bonus points as promised. 

On XXXX 2016, I contacted Citi via message again that I did not receive my points. Citibank indicated that they will open an internal investigation. Finally Citibank asked me to contacted them to add and Citibank still have not complete the investigation, keep responding that investigation is in process and points still not add to my American airline account XXXX yet while I am paying monthly fee of {$30.00} to maintain my account. 

Citibank again requested me to provide XXXX XXXX account number for 3rd time and indicated will have the bonus within 10 days since XXXX XXXX and now it 's XXXX XXXX and still did not have my XXXX miles yet. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement by not giving me the XXXX american airline miles to my XXXX account # XXXX as promised Citi must credit my account XXXX XXXX miles immediately. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 

Please help!!!!
Product: Debt collection

company purchased my private consumer information without my written consent. 
company assigned debt to an attorney. 
company has multiple violations under the Fair Debt Collection Practices Act. 
company is reporting false information to credit reporting agency in an attempt to damage my reputation and credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have disputed this fact with all three credit bureaus and as a result, XXXX  and XXXX  have completely removed the errors. However, Transunion has not.
Product: Payday loan, title loan, personal loan, or advance loan

They added extra taxes to my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX and XXXX & they told me I've never missed a payment, yet TransUnion refuses to remove me from being listed as late on these accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do TransUnions job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$620000.00} and XXXX XXXX Date Open : XX/XX/XXXX Balance : {$250000.00}.
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 1681. 
THE FOLLOWING INFORMATION IS INACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ACCOUNT NUMBER XXXX ACCOUNT STATUS- SHOULD SHOW PAID IN FULL PAYMENT STATUS -SHOULD SHOW CURRENT COMMENTS- SHOULD SHOW PAID IN FULL XXXX  ACCOUNT NUMBER XXXX ACCOUNT STATUS - SHOULD SAY PAID NOT CLOSED XXXX XXXX XXXX ACCOUNT STATUS -SHOULD SHOW PAID NOT CLOSED CAF - ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) THIS ACCOUNT WAS NEVER LATE AND IS CURRENT PLEASE FIX THE REPORT.
Product: Credit reporting or other personal consumer reports

Per the cfpb, I was instructed to send my fcra human trafficking form to the following address Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX My complaint fcra section 605 was sent on XXXX/XXXX via priority mail and I received no response.
Product: Student loan

This is the THIRD complaint I am sending due to my student loan servicer, MOHELA being completely incompetent at handling my loans. I have 3 payments that have been sent from XXXX to Mohela, XXXXwo ( 2 ) payments were for {$300.00} and one ( 1 ) payment was for {$3500.00}. These payments have been cashed by MOHELA since XXXX. It is not XXXX and I have not seen any of these payments applied to my student loans. This impacts my life greatly and MOHELA does not seem to care about that at all. 
I have called MOHELA about this several times, I have uploaded the check copies to my MOHELA servicer portal for them to have as evidence and I have reached out to my congressperson 's office. None of these things have resulted in get anywhere and I am increasingly getting frustrated. MOHELA recently transitioned my loans to a new portal and by doing so none of my past loan payments show up. Who knows how long that will take for MOHELA to correct as well. 
I am looking for this company to ACKNOWLEDGE this issue and to apply my payments to my account.
Product: Checking or savings account

On XX/XX/year>, my son and daughter each received a letter stating that their savings account will be switched to a XXXX savings account. Each letter gave the last four account numbers for a savings account. The problem is they do not have any such accounts and would not have been able to open them without myself as the guardian to cosign to open the account. I believe these accounts were opened by Wells Fargo without our knowledge. I contacted Wells Fargo and was told there was no account under either child 's social security number. My question was if that's the case, then why are they receiving these letters?
Product: Checking or savings account

On XX/XX/XXXX two checks were cashed that were written XX/XX/XXXX & XXXX XXXX. ( Two years and one month ). Complaint was sent through XXXX XXXX XXXX XXXX  to Navy Federal Credit union ( place checks were cashed ). Navy Federal denied the claim because stale dated items are not guaranteed they said.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00} ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dealt with issues on using cashapp many timed and left them after the ban abuse on my account scamming me out of XXXX XXXX
Product: Checking or savings account

USAA keeps over drafting the account by using some method which is crazy So far, I have racked up {$87.00} in fees When I paid my Att account it showed the money was already taken out because I used their website and allowed them to go into the account. When the account was assessed on XX/XX/XXXX, there WAS EnOUGH MONEY. USSA didn't honor that payment when the funds were in the account instead they held on until the account was low. 
meanwhile, I thought the payment had cleared so it was not until today that I saw the account had been overdrawn USAA continues to do this I am on unemployment but I continue to look for a job. i put in 3-4 applications per week and still no interview I am also a veteran with mental health issues and I'm freaking out right now USAA should be helping instead of hurting its customers
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 reporting or other personal consumer reports

The following inquiries are being report on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ) .None of these credit Transactions involved the extensions of credit to, me, the consumer, although there was intent to use my information in connectiontherewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demnad that the aboveinquiries be deleted from my credit file because they are causing irreparable hand to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the addres above and to the necessary creditirs within the allotted legal time frame
Product: Mortgage

In late XX/XX/2021 I requested that the " pmi '' be removed as this will help me financially as I prepare for retirement. I was advised that a payment requirement of approximately XXXX  XXXX would be required plus an appraisal of my home or a higher amount if I chose not to have an appraisal of my property. On XX/XX/2021, I received a letter stating - " Your payment history reflects payments 30 days or more within 12 months and 60 days or more past due within 24 months ''. Therefore, this is the REASON FOR DENIAL. There was no mention of this on my initial call at which time they were ready to take a payment from me for a " no visit '' appraisal. PennyMac has not provided me with any documentation that if I was " late '' at any moment in time that I could not qualify for this reduction. I wish to have the " pmi '' removed from my mortage.