23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We refinanced our home with Quicken Loans/Rocket Mortgage. Quicken Loans/Rocket Mortgage had the payoff amount for our original home loan to XXXX XXXX XXXX XXXX  ( we provided them with the payoff amount that was good until XX/XX/20. We had our closing on XX/XX/20 and Quicken/Rocket was supposed to send the payoff amount on XX/XX/20. Apparently, XXXX XXXX XXXX XXXX  rejected their payoff amount and it was returned on XX/XX/20 and no one from Quicken/Rocket notified us nor did they contact XXXX XXXX XXXX XXXX to find out what was the reason. We received a call from XXXX XXXX XXXX XXXX  on XX/XX/20 asking us if anything was wrong and letting us know that we were past due on our mortgage payment with them and that if we do not make a payment by XX/XX/20 our credit score will be impacted. When we contacted Quicken/Rocket about this on XX/XX/20 they acknowledged the payment was returned and are still trying to figure out why and how to resolve this. They claim there was discrepancy with the amount they sent but given they had the payoff amount no one is able to provide us with the details on what has occurred. We have informed Quicken/Rocket that if this is not resolved today ( XX/XX/20 ) then we will be making the payment to XXXX XXXX XXXX to ensure our credit score is not impacted and they will need to reimburse us for this since we have already made our 1st mortgage payment to Quicken/Rocket on XX/XX/20.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries listed on my credit report that I do not recognize and did not authorize. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you investigate and remove these unauthorized inquiries promptly if they can not be verified. 

The inquiries in question are as follows : XXXX XXXX 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 have not provided authorization for these inquiries, and they are negatively affecting my credit report. Please investigate each of these inquiries and provide me with written documentation of your findings. If the inquiries can not be verified as authorized by me, I request that they be removed from my credit report immediately. 

Additionally, please provide me with an updated copy of my credit report reflecting the results of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Mortgage

In 2012 I owned a property at XXXX XXXX XXXX XXXX XXXX SC, XXXX, it was in arrears and headed for forclousure, I was sent a letter from Chase that they would buy the property at {$34000.00} if it passed inspection and release me from the mortgage with no detrement to my credit. I am trying to purchase a home at this time and they have reported it as a Deed in Lue, this was not what I was told I spoke to Chase this am and they said that I signed papers to that effect, I did not read the papers and went on the facts that I was told by there rep over the phone,
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX  XXXX, XXXX XXXX, ORIGINAL CREDITOR XXXX, XXXX XXXX XXXX XXXX. 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

I send money in the XXXX on XXXX XXXX in the amount of {$150.00} debited to her account with XXXX XXXX XXXX XXXX through authorized third party called INTERMEXCORP based at XXXX, Florida. We discovered in XX/XX/2022 that the money was never delivered. So we immediately get in touch with XXXX XXXX XXXX XXXX and was instructed to get hold of INTERMEX ( Phone # XXXX ). We were told the money was not delivered because they don't have the correct address of the recipient. On XX/XX/XXXX, and XXXX, XXXX we called INTERMEX and told them to cancel and reverse the transaction and put it back into our account with XXXX XXXX. They complied and told us it would take 3 to 5 business days. At present we still don't have that money back into our account. So, we called INTERMEX again and now they're telling us it would take another 7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've recently been noticing my credit score going down. Today I got a full report and it shows that there is a XXXX XXXX account that belongs to my father under my name. We have the same names, I understand how this happened but it should n't of happened because whoever inputted the data should of properly done their job and looked at social security numbers instead of our names. Please take the necessary actions for this account to be taken off of my record. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint with a auto loan lender named XXXX XXXX XXXX, XXXX and XXXX. Back in XXXX of XXXX, I was granted a discharge from chapter XXXX bankruptcy. A few weeks later, I was approved for a auto loan on XX/XX/XXXX of XXXX. For some odd reason my credit file is reflecting as a closed account and that it was discharged alongside my bankruptcy which is a total XXXX up on XXXX and XXXX. I've called XXXX which is which I owe the debt on and they said they have nothing to do with my fico score being reported to XXXX and XXXX inaccurately. I've already tried filing disputes with both credit bureau but I get the same song and dance that my credit file is reporting accurately. I've included my Equifax credit file which reflects my loan accurately, my bankruptcy discharge paperwork and the actual bill of sale of the car I purchased after I was completely discharged.
Product: Debt collection

WIlliam & Rush associate is a collection agency said i own them over {$6000.00} this wasn't on Credit account they are placing incorrect balance on my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 XXXX XXXX XXXX co sent email stating that they were charging my credit card {$290.00}. for service. I called to tell them I didn't want it. Immediately after XXXX resolved this, a man ( XXXX XXXX XXXX said he was from XXXX XXXX XXXX XXXX XXXX XXXXand that he saw that my account had be hacked as well as XXXX ( my bank at the time ) and that he was hired to protect my money from hackers. He told me to wire my savings ( {$50000.00}. ) to an a 'Wallet '' where it would be safe while I changed banks. This company was Gemini Trust who has an account with XXXX bank. I did and I could actually move {$50.00} into my XXXX account. Then few days after, my account was 'frozen ' which it still is. Gemini has no phone number just messaging. Numerous times I messaged Gemini to ask about this and they replied that they were looking into it. Finally they stopped replying. 
XX/XX/2023 I went to XXXX and asked for wire to be reversed. They did an investigation and two months later said that XXXX wouldn't return money. 
In the meantime, I had filed complaints with XXXX XXXX XXXX, FBI, Attorney General XXXX XXXX, FTC and got advice from Legal Aid for Seniors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that were used to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX/XXXX XXXX {$0.00}
Product: Mortgage

Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby requested. I request that you present my original WET ink Signature Promissory Note and original WET ink Deed of Trust for visual inspection for authentication and verification.

This is not an overboard request. Banks are known for forging signatures and that's why I need originals for verification.

A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Autonation Finance/ CIG Financial , who has reported inaccurate and misleading information on my credit report, violating federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Here is a detailed account of the issue : Loan Origination : I originally obtained an auto loan for {$9600.00} in XX/XX/XXXX with Account Number XXXX FOR CIG Financial Vehicle Return : In XX/XX/XXXX, I returned the vehicle to the lender and expected the loan balance to be adjusted accordingly, given the resale of the vehicle. 

Initial Balance Update : After returning the vehicle, CIG Financial updated the loan balance on my credit report to {$5000.00}, assuming the loan was properly adjusted to reflect the resale value. 

Disputed Balance : In XX/XX/XXXX, XXXX and XXXX of XXXX, I disputed the balance of the loan with the credit reporting agency, as I noticed discrepancies with the reported amount. To my shock and dismay, CIG Financial responded by increasing the balance to $ XXXX balance that is both incorrect and inflated. 

Violation of Federal Laws : This action clearly violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as the reported amount is inaccurate, misleading, and without justification. The increase in balance directly contradicts the documented events of the loan and resale, and it has had a detrimental effect on my credit score and financial standing.

The actions of CIG Financial are wholly inappropriate and, frankly, illegal. I demand that the CFPB investigate this matter immediately and take appropriate actions to ensure that my credit report is corrected and that this company is held accountable for its misleading and unlawful conduct.

To resolve this matter, I am requesting the following : Immediate correction of my credit report to accurately reflect the loan balance after the vehicle return and resale. 
Investigation into the actions of CIG Financial, specifically the wrongful increase of the balance. 
Removal of any negative impact on my credit report caused by these inaccurate reporting actions. 
Appropriate penalties for the violation of federal laws under the FDCPA and FCRA. 
I have attached documentation supporting my claims, including my original loan agreement, return receipt, and correspondence regarding the dispute. 

I expect your prompt attention to this matter and look forward to a timely resolution. Should you need any additional information or documentation from me, please do not hesitate to reach out.
Product: Debt collection

This company keep reporting this on my credit. I disputed it three times Im on Social Security. I can not afford this.
Product: Debt collection

I am writing in response to a collection notice I received regarding the account # referenced XXXX. I dispute the validity of this debt and request that you provide proper validation and verification in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection laws. 

I have noticed that the account is being reported inaccurately as a " past due balance '' on my credit report, which I believe is a violation of my rights as a consumer. This inaccuracy is negatively impacting my creditworthiness and causing harm to my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Bought car XX/XX/2019. First payment was due with an election date of 45 days on XX/XX/2019. I paid the payment on XX/XX/2019. The accounts show up to date but both credit bureaus said my first payment was XX/XX/2019 so they marked that as my first payment and said I DID NOT PAY XXXX. THERE WAS NO PAYMENT DUE FOR XX/XX/2019!!!! I just paid my SECOND PAYMENT TODAY ON LINE WHICH WAS FOR XX/XX/2019!! 
I need this corrected. This ONE MARK SHOWS ME DELIQUENT! I am trying to refinance my house! I have written XXXX and XXXX!!!!
Product: Mortgage

I XXXX XXXX. would like to make a complain against F C I lender Services Inc.. for not allowing me a loan modification on my mortgage i am asking this company to give me a loan modification, so i hired attorney to get my loan modification, which is money i do not have to give, and i need, to get my loan modification, i need your help your help as soon as possible please, i have a sale date for XX/XX/2016.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$720.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A states I have the right to privacy,

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 privacy and confidentiality under 15 USC
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and XXXX at XXXX, Financial Recovery Service ; regarding the status of my account being  reported incorrectly. This company represents XXXX XXXX. This debt has been under debt consolidation with XXXX since 2016. The original debt was {$5500.00} and now Its under {$2300.00}. I asked Mr. XXXX to correct my status on my credit report. They're company did not. In fact, they updated the account worse. They removed the beginning balance. So, I asked XXXX to send all my deposit to another company. XXXX XXXX XXXX XXXX and XXXX XXXX has done for the last 3 years is against the Fair Reporting act. They must report fairly and accurately to my credit report. What they have stated on my XXXX  Account is a lie! Why would I make payments or pay down an account ; if they are just going to show an incorrect status on my account. Both these companies have just ignored the Fair Credit Reporting Act and decided that I do not matter! Can your company please help me with this?
Product: Credit card or prepaid card

Since XX/XX/2022 I have submitted a dispute with my credit card for services paid with, services from merchant were bad, I can not get agreement with merchant So I did my dispute with my credit card however dispute department failed to contact that merchant Not even try to dispute my charge, breached our contract/ agreement Credit card failed to answer calls, emails, poor costumer services, and failed to make any investigation or contact merchant, moreover is seeking collecting money over disputed not yet investigated Credit card is sending me letters to send my dispute case to credit reports agencies when my credit card is on good standing never paid late, overriding my rights as consumer and lying about my credit reports when my account is not even yet on collections and I always paid it on time Breach of credit card agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

This company states i was late 30 on a car loan that has since been paid off. They reported first was late XX/XX/XXXX then came back after I did disputes with credit bureaus that it was XX/XX/XXXX. Which is still incorrect paid was made on XX/XX/XXXX. Car note is due 16th of every month. I sent a good Will letter when I thought I was in the wrong when I sent double payments explained a very sincere letter but after seeing my results back from credit bureaus they are still reporting wrong info this account was in good standing. For 72months with no late payment and soon as car gets paid off they want to report incorrect info this company is terrible not even trying to understand and never late. Usually a company does remove one late fee this company is not being fair and I have wrote several letters and same response and credit bureaus have tryed I feel this company is unfair to a great on time paying customer for 7 years! This company has no remorse and feelings and no compassion what so ever. Even during COVID they got there payments on time and also double amount. I have tryed to contact ceo of company no such luck. I thought this company was great threw the whole term of my loan never had any complaints until now after reading reviews on there company now I see why. I am exhausted and have exhausted all options but to make a complaint on this company. Thank you